Welcome To The Club

Hi there! I’m Val Breit, author of Pay Your Student Loans Fast and owner of The Common Cents Club.

I am a mama of two littles, a wife, an entrepreneur, a child of God, and a self-proclaimed money nerd known for wearing big expressions. I am not a natural runner, but I trot anyway. It helps balance the coffee + donut combo I love, and it gives me an excuse to wear running shorts and tennies all the time.

I’m frugal, love finding great deals, and am slightly obsessed with the unlimited potential of finding new ways to make money working from home.

Two of my biggest passions in life are the result of life-changing moments in my life. They are:

~Getting out of debt

~Working from home

You see, I was a typical teenager and I basically paid for college with student loans. Ignorant to what I was getting into. I learned about compound interest the hard way when I accidentally discovered it could cost me nearly $100,000 to repay the $50,000 I borrowed if I wasn’t careful about how I repaid my loans.

That discovery drove me to tears. I felt hopeless that I’d ever be able to repay my debt and have any sort of comfortable lifestyle. That fear turned into intense determination. I ended up paying off all my college debt just over two years after my first payment was due–earning a teacher’s salary.

I didn’t know it at the time, but wiping out my debt and learning how to live off much less than I earned through intentional spending allowed me to later quit my stressful 9-5 job, start my own online gig working from home, and stay home with my children full-time. It was (and still is) a dream come true. Sometimes I still can’t believe my husband and I figured out a way to make it happen–without using debt. (And no, he does not earn six-figures or anywhere near. He is a teacher too.)

Throughout all of that, I did not have any intention of starting a blog or writing a book. However, it absolutely breaks my heart to hear person after person whose finances are getting in the way of their happiness. I know what it’s like to want a major change in life but you feel stuck due to money. It’s a horrible feeling.

But there are things you can do to get unstuck and create the life you want. Despite being a complete introvert, it wasn’t fair for me to keep those things to myself. So I mustered up the courage (often using Matthew 5:16 to help) and started writing.

I wrote the book Pay Your Student Loans Fast to share the strategies and step-by-step plan I used to pay off over $42,000 of student loans in less than 3 years. I’m completely humbled that my book has touched thousands of people’s lives. But the book alone wasn’t enough. I heard from friends and readers who needed more and wanted to work from home too. So, The Common Cents Club was born.

I wrote The First 10 Steps to Work From Home, which is the complete starter guide about how I started making money online through freelance work. I give that ebook away for free. You can grab your FREE ebook here.

So whether you’re here because you have a pile of student loans or you want to learn how to make money from home, you’re in the right place.

The Common Cents Club will break down overwhelming and complicated money matters into simple, achievable steps. I’ll share inspiration and tips for saving more, spending less, earning more, wiping out debt and ultimately creating your best life.

The world needs you to achieve your dreams. So let your light shine, slow down, and start with making one smart money decision today! Start reading the latest nuggets of money wisdom and take it one step at a time. It’s not about being perfect, but striving to make a little progress each day.


If you want weekly tips, reminders, and motivation for making sure money doesn’t get in the way of your happiness, Join The Common Cents Club by signing up below. 

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