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What Money Advice Would You Give Yourself If You Could Go Back in Time

Prairie Eco-Thrifter

When I’d do things like take out student loans even though I had a full-tuition scholarship and a sweet part-time job in the university cafeteria. I wasn’t doing anything wrong back then; my family lived within our means, we had an emergency fund, and we were saving for retirement and our son’s college costs.

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How Krystal and Josh paid off $80k in 4 years!

Family Balance Sheet

works in outbound sales, and I teach part-time. medical bills, a small credit card, both of our cars, and student loans. cars, and finally our student loans. working full time at a low-paying job and going to grad school full time, while my husband was working multiple jobs just to help us make ends meet.

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Our 2017 Debt Freedom Plan Update

Family Balance Sheet

However, we have one non-mortgage loan left, the behemoth student loan that I was hoping to pay off in 2016. We also worked diligently to nurture our small business (our bread and butter) while my husband picked up a part-time job as a swim coach, one of his passions. Our extra funds went towards our cash flow.

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How We Paid off Six Figures of Debt

Family Balance Sheet

Aside from the mortgage, we also added equipment and renovation loans with the purchase, and we had a student loan. However, it produces a small part-time income from side-bar ads and affiliate commissions. What could possibly go wrong? After the first year, the new business debt weighed on me. Also, we both have side hustles.

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