The Lifestyle That Allowed Me to Pay Off Over $30,000 of Debt in 6 Years

The Lifestyle That Allowed Me to Pay Off Over $30,000 of Debt in 6 Years

My debt payments (both car + student loans) added up to over $39,300 with all of the interest.

In all, I paid an average of $545/month toward my debt for 6 years.

How did I do it?

Choices. I made choices based on my priorities.

Goals. I set goals and wrote them down.

Diligence and patience. I stuck to a long-term plan, even if the results seemed slow-moving. 

Habits. I adjusted my lifestyle expectations straight out of college.

Saved. I made big-savings decisions. I made small-savings decisions.

Read up on all the juicy details (and my hard truths) for how I made it happen.

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5 Promising Ways To Lose Your Mind During Debt Repayment

5 Promising Ways To Lose Your Mind During Debt Repayment

There was a time when I paid off my debt too fast. 
    “‘Too fast,’ she says?”
    “Yes. Too fast.

For four months, I changed my lifestyle to accommodate my debt repayment goals. I wanted to pay off my car ASAP, so I could start putting more money toward my debt each month, so I:

I cut back on spending.
I went cash only.
I picked up a side hustle.

Then I almost lost my mind. Almost.

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Setting Financial Goals That Make Sense for You

Setting Financial Goals That Make Sense for You

Goal setting is identifying what you want and determining what it’ll take to get there.

Will it take getting a second job or picking up some side hustle?

Going without shopping sprees?

Canceling your gym membership?

Once you assess the situation, you can look determine what’s realistic for your situation, “set it and forget it,” then go about your days without much thought (or worry) about where your money is going — because it’ll be going where you decided it’ll go.

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