10 Steps to Stop Using Credit Cards and Finally Get Out of Debt

10 Steps to Stop Using Credit Cards and Finally Get Out of Debt

Since becoming one of those rare people that don’t actually use credit cards, I often forget just how dependent our world is on them these days. Quitting our credit cards and the debt that came along with them was one of the best decisions we ever made as a family. We made a pact to only buy things if we actually had the money to do so –what a concept. If you have found yourself with more credit card debt than you can manage I have got a crazy practical 10 step guide to stop using credit cards and finally get out of debt.

How We Paid Off Over $1,200 of Debt in One Week: the Side Hustles That Helped Us Out

How We Paid Off Over $1,200 of Debt in One Week: the Side Hustles That Helped Us Out

Debt. Blah. I am so sick of it. It’s funny how when you start paying attention to something after years of ignoring it, it finds a way of working it’s way into your brain. Permanently. After saving up $1,000 in a few weeks to help pay for our vow renewal, I started really seeing so many ways we could be making money to pay off debt. While we have only been working on our final $10,000 of debt for a few months, we have been consistently paying it off (with a plan) for years. I am so ready to be done. I want financial freedom, I want a patio, I want to travel and finish our basement. Finally, I have decided I’ve had enough. In one week we paid off over $1,200 of debt and I want to tell you how. Plus share the side hustles that helped us do it!

Downsize Your House and Debt at the Same Time

Downsize Your House and Debt at the Same Time

When we downsized our house a little over 2 years ago we also did it with the desire to begin living a more intentional life. Up to that point in our lives we lived without a budget or any real purpose for our money. We took vacations when we had extra money and had hardly anything in savings. Downsizing for us also meant upsizing our money. It meant building a savings and making a conscious decision to tell our money where to go (just like Dave Ramsey told us to.) So many people find themselves in the same boat as we did. Spending too much on useless things, spending too much money and time maintaining a house and all the things inside. So, I’m here to spread the word that it is possible to downsize your house and debt at the same time. You can totally transform the direction of your life and while it won’t be easy, it will totally be worth it.

Can I Afford to Get Out of Debt?! How to Find That Extra Money to Get You Started.

Can I Afford to Get Out of Debt?! How to Find That Extra Money to Get You Started.

Debt. Chances are it is running you dry, ruining your life and yet somehow you can’t seem to shake it. Trust me, I’ve been there. In fact, I started to think it was a normal thing to rack up debt and then pay it off. I thought having credit cards was actually beneficial. If you’re not sure where you’re at, you can check your FICO credit score to find out. When I think back on the crazy amounts of money I wasted all while staying in debt, I could kick myself. Most days I spend wishing I could go back in time and change it all, but I can’t. Neither can you. No matter what your financial situation is, you’re in it. Wishing to change the past won’t work, so let me tell you what will. I’ll share your exact steps to save money, get out of debt and say out for good. These steps may not seem easy; they aren’t, but sometimes you’ve got to push your comfort zone in order to see the results you crave.

Debt Payoff, April 2018: $3,600

Debt Payoff, April 2018: $3,600

A lot of people these days are doing income reports for the money they make online. Personally, even though it maybe benefit me in some ways, I don’t want to share my income for the whole world to see. However, I have spent a lot of time thinking about how I could motivate people and encourage them through our financial experience a little bit more. Then I thought about doing an income report in reverse! Instead of sharing how much I make each month, I will be sharing a debt payoff report showing how much money we put toward our debt payoff each month. You may already be following my final $10,000 debt payoff journey. If you are, these reports will go hand in hand with that. I will take you through the steps we take to plan for this money, where it comes from, and the strategies we have implemented that are working to get us out of debt. So let’s take a look at our debt payoff for April 2018.

Debt Payoff, March 2018: $800

Debt Payoff, March 2018: $800

A lot of people these days are doing income reports for the money they make online. Personally, even though it maybe benefit me in some ways, I don’t want to share my income for the whole world to see. However, I have spent a lot of time thinking about how I could motivate people and encourage them through our financial experience a little bit more. Then I thought about doing an income report in reverse! Instead of sharing how much I make each month, I will be sharing a debt payoff report showing how much money we put toward our debt payoff each month. You may already be following my final $10,000 debt payoff journey. If you are, these reports will go hand in hand with that. I will take you through the steps we take to plan for this money, where it comes from, and the strategies we have implemented that are working to get us out of debt. So let’s take a look at our debt payoff for March 2018.