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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? It took us years to pay it all off, but we achieved it in 2019. I couldn’t imagine making the monthly payments for the full term of the loans, so I concocted an idea to pay them off early and wrote our Debt Freedom Plan. We said NO to a lot, and that isn’t fun.

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How our Debt Freedom Plan Prepared Us for the Pandemic

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We followed Dave Ramsey’s debt snowball method and paid the smallest loan off first while making the minimum payments on the other 4 loans. When that loan was paid off, we put that full monthly amount towards the third loan and this continued until September 2019 when we made our last non-mortgage loan payment.

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How We Frugal-ed in February 2020

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Ordering online really challenges me to plan every single meal for the week, which I believe saves me extra trips to the store. In the past, I made my meal plan and grocery shopped on Sundays. This is how we like our iced tea, so if you decide to make your own version, you may want more or less tea bags/sugar.

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