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5 Steps to CRUSH Debt + FREE Debt Payoff Goal Tracker

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Did you make a goal to pay off debt this year? For many years, we made a yearly goal to chip away at our six figures of non-mortgage debt. It took us years to pay it all off, but we achieved it in 2019. This list became our personal Debt Freedom Plan. Paying off debt is not fun, in fact, it sucks!

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How to Achieve Your Financial Goals (tips from the achievers)

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It can be difficult to watch others succeed with their goals. Instead of writing, “I want to pay off debt” or “I don’t want to live paycheck to paycheck”, commit to “I want to pay off $X of credit card debt in 201X and I will stop using credit cards from this point forward.”

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How We Paid off Six Figures of Debt

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By the summer of 2013, we found ourselves in a pickle–we had too much debt and not enough cash flow. Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. Read: How We Watch Great TV without Cable. How do you eat an elephant?

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