10 Smart Ways to Become Debt Free

Family Balance Sheet

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free?

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How this Couple Eliminated $180,000 of Debt in 12 Months!

Family Balance Sheet

The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. How much debt did you pay off?

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How Angela & Jeff paid off $58,000 of Debt in 2 Years

Family Balance Sheet

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. worth of debt.

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Meet Jackie. She and Her Husband Paid off $147,000 in Debt | Debt Free Stories

Family Balance Sheet

Welcome to Debt Free Stories. She and her husband paid off $147,000 in debt–including their home. After paying off the debt, she was able to quit her job to pursue her passion. She blogs at The Debt Myth. How much debt did you pay off?

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Meet Amanda & Daniel. They Paid Off $68,000 in Debt in 8 Months.

Family Balance Sheet

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free?

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Meet Krista & Jon Who Paid Off $36,000 | Debt Free Stories

Family Balance Sheet

Welcome to Debt Free Stories! They paid off $36,000 in debt and cash flowed graduate school. How much debt did you pay off? What kind of debt was it? After graduating with our bachelor’s degrees Jon and I had about $36,000 in debt between us.

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Jen & Her Husband Paid off $212,000 in Debt & Medical Expenses in 48 Months

Family Balance Sheet

Today’s Debt Free Story is from Jen. In my roles as a motivational storyteller, engaging Amazon Top 100 author, and Internet radio show host, I am passionate about motivating, encouraging, and inspiring people overcome their obstacles to become their greatest selves.

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Finding Motivation When You Have None

Prairie Eco-Thrifter

I generally like working out, but working out when I’m not motivated makes me resent it. I had to pull out the big guns to motivate myself to do these things without hating my life. Our debt levels from keeping up with the Jones’ is attributable to that fact.

Meet Carrie. She Paid Off $14,000 in Debt in 14 Months.

Family Balance Sheet

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free?

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Find out how Charissa and Her Husband Paid Off $7665 of Debt and Cash Flowed College

Family Balance Sheet

Today’s Debt Free Story is from Charissa. How much debt did you pay off? What kind of debt was it? We started paying it off when we got married and became debt free just shy of our second anniversary. What inspired you to become debt free? Debt Free Stories

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Find out How Drew & Farrah Paid off $200k of debt, including their HOME

Family Balance Sheet

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. How much debt did you pay off? What kind of debt was it? Debt Free Stories

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Meet Tracy, a Single Mom Who Paid Off $41,587 | Debt Free Stories

Family Balance Sheet

Welcome to Debt Free Stories. She paid off $41,587 in debt in 14 months! How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? I was inspired to get debt free for 2 main reasons: 1. Who initiated the debt free goal?

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Find out how Deacon & his Wife Paid off $52,000 of Debt in 18 Months

Family Balance Sheet

Today’s Debt Free Story is from Deacon. How much debt did you pay off? What kind of debt was it? We paid off $52,000 in consumer debt. It consisted of student loans, a car loan and even some credit card debt. What inspired you to get debt free?

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Do You Have a Debt Free Story that You’d Like to Share?

Family Balance Sheet

Is your goal to be debt free? They’ve read our family’s Debt Freedom Plan ; we keep it on the refrigerator door. I love to read and hear stories from others who have become debt free. Tracy, a single mom who paid off over $40,000 in debt. . Are you Debt Free?

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What Makes Me the Most ANGRY About Our Debt!

Family Balance Sheet

Sometimes it takes pure anger to motivate a person to make a change. I’m a numbers gal and I love to play around with numbers, so this week as I was preparing our April budget I decided to calculate how much interest we are paying each month with our debt payments.

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Five Ways to Fight Discouragement

The Frugal Girl

how long it will take to pay down debt. Maybe you have lots of student loan debt left, but look at how much you’ve paid off. MotivationI decided to just embrace the whole five theme this week.

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Our Debt Freedom Plan | Marriage & Money

Family Balance Sheet

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay.

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Update #1: Our Debt Freedom Plan

Family Balance Sheet

Back in March I wrote about my family’s Debt Freedom Plan. Our plan is going to take us several years and I think celebrating will motivate us when the going gets long and tough.

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Find out how Jessica paid off $56,000 of student loans, credit cards, and a car loan.

Family Balance Sheet

Today’s Debt Free Story is from Jessica. How much debt did you pay off? What kind of debt was it? I had $56,000 of debt when I decided to become debt free. What inspired you to get debt free? How did you celebrate when you became debt free?

Our 2018 Financial Goals

Family Balance Sheet

This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. Our Debt Freedom Plan (an update): In 2013, we found ourselves with a lot of debt and not enough cash flow. It was a tough year, but our Debt Freedom Plan was born and has been our guiding light ever since. You can read my original post: Our Debt Freedom Plan Begins. Pay off all Non-Mortgage Debt.

Our Big Financial Goal for 2016

Family Balance Sheet

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. Apply any Found Money to Debt. Do you want to eliminate debt too?

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

Family Balance Sheet

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months.

Finally back.

Finally Frugal

And, unfortunately, sapped some of the motivation and joie de vivre from my life. When will I start to see a real difference in my student loan debt? I'm not just ignoring the fact that the interest is accruing and digging me deeper in debt, as I did for the ten years after I graduated.

Healthy Habits: Booze Break

Motherhood Moments

People are often amazed at how much free cash they have to put towards other things they want to do such as paying down debt, vacations, car repairs, gym memberships, upgrades to their homes, etc., CBT (cognitive behavioral therapy) motivational interviewing, addiction counseling, 12-Step orientation, DBT (dialectical behavioral therapy,) trauma-informed practices and a wide variety of supportive group therapies are offered.

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Remember, Slow and Steady Wins the Race

Prairie Eco-Thrifter

Ask yourself : Do you start saving or paying off debt with a superhuman resolve- determined to avoid all temptation- only to fall off the wagon and give up hope in a matter of a few days? When it comes to debt, start off with a payment that allows you to still pay off your monthly bills.

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5 Essential Money Tips for Newlyweds

Prairie Eco-Thrifter

Get to the Bottom of Your Money Motivations. First of all, it’s important to get to the bottom of your money motivations. Whether you want to pay off debt or save for retirement or get a new TV, you have to be in agreement on the big stuff.

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Take Control of YOUR Money in 2016

Family Balance Sheet

While we made considerable headway in 2015 with reducing our debts, we missed our goal of paying off a loan by the end of the year. So in 2016, I will continue to share our journey to pay off our debt. Debt Freedom Plan Updates. I’m back! And ready to rock the new year.

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Take Control of Your Money in 2015

Family Balance Sheet

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. New year.

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How to Survive a No-Spend Month

Centsable Momma

Are you going to use the money to pay off debt more quickly? Be sure everyone involved knows the reason for the no-spend month, and you might be more successful if you make a sign for motivation so you can remember.

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Friday Links – School Update Edition

Prairie Eco-Thrifter

Take a peak and see what I read this week: Good Reads From The Blogosphere: Jen from Money Rebound writes about Realistic Ways to Slash Your Student Loan Debt – Such a timely post considering the recent rate changes for federal student loans in the United States! Happy Friday everyone.

Take Control of Your Retirement Planning in 2016

Family Balance Sheet

BEFORE you invest in your retirement, you must follow Dave Ramsey’s Baby Steps that he outlines in the forward of this book to pay off your non-mortgage debts and establish a fully funded emergency savings. This post is sponsored by Chris Hogan and Retire Inspired.

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Financial Peace University | Marriage & Money

Family Balance Sheet

Dave Ramsey is a financial coach, best-selling author, and speaker whose message of “cash is king and debt is dumb” is unrelenting. The book is designed to help you design a plan for paying off your debts and saving for a secure future. Are you a fan of Dave Ramsey?

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Friday Links – Still Swamped Edition

Prairie Eco-Thrifter

Student Debt Survivor recently had a milestone birthday. Finding motivation when you have none. My Battle Against Travel Eating and a Lack of Motivation Need An Upgrade? Managing Debt Is A Marathon Not A Sprint. Hi everyone.

Friday Links – Back Linking Again Edition

Prairie Eco-Thrifter

at Debt Roundup. 5 Tips for Motivating Yourself to Exercise More. Happy Friday everyone. Hope you are doing well. The last few weeks for me have been pretty hectic. I am feeling quite frazzled and stressed. There has been a lot going on at work and at home which has been wearing on me.

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Look 3 Feet In Front Of You, Not 3 Miles

Prairie Eco-Thrifter

Stay motivated. It can be difficult to stay motivated. Read a motivational book. You can even search the internet for motivational quotes or videos on YouTube. I’ve done this quite often for an extra boost of motivation.

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Remember to Celebrate Your Success

Prairie Eco-Thrifter

But, I’m convinced that celebrating success is much more motivating than punishing yourself for real or imagined failures. Reducing your debt each month. Avoiding accumulating more debt.

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The Importance Of Setting Financial New Year’s Goals

Prairie Eco-Thrifter

Sometimes I procrastinate, but when I realize it’s almost time to update my financial goals on the blog, I suddenly become a lot more motivated. You can motivate yourself by creating a way to track your progress visually. How much debt do you have?

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Anatomy of the Financially Savvy Brain- Part 4

Prairie Eco-Thrifter

It is also responsible for processing concepts of motivation and reward. When this happens, we become motivated to act; thinking and learning are enhanced. We won’t have the motivation to do good. Are you in the positive and motivated realm or are you stressed and anxious?

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Money and Marriage – How To Get And Stay On The Same Track and $999.99 Giveaway

Prairie Eco-Thrifter

You are married, you are each individually responsible for the other guy’s debts if they were incurred during the marriage! The joining of two lives in marriage is not an easy or fast task.

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

Prairie Eco-Thrifter

Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. By then, I was married, raising a toddler, our family was paying down debt and I was practicing much better financial discipline.

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6 Ways Regular Exercise Can Improve Your Life

Prairie Eco-Thrifter

Improve Your Health With The Help Of A Better Schedule Natural Ways to Energize Yourself Motivate Yourself to Get Moving Get Out of Debt…Sleep Debt That Is 6 Proven Tips for How to Get More Sleep. We all know that exercise is good for us.

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10 Reasons You’re Broke

Prairie Eco-Thrifter

Sure you know you are in debt over your head. So you continue to get further in debt as you continue to spend. What is the one thing you are refusing to give up that would help you pay off your debt? Be very clear of your motives before buying something.

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Carnival of Personal Finance #316- Family Edition

Prairie Eco-Thrifter

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? Some people find themselves buried under student loan debt with little chance of ever paying it off.