Hi folks, I’m Renee and I am a recovering spend-a-holic. My husband Tom and I have paid off over $90,000 of debt in the last 7 years and I wish I could say there were major student loans in there, but there weren’t. We just sucked that much at managing our money. We downsized our house 3 years ago (check out the full story) and then we got seriously intentional about paying off our debt. Using the Dave Ramsey Debt Snowball we paid off $6,000 in 6 months. Now we are able to see the finish line of our debt that seems never-ending and I wanted to share with you the total truth about how I really feel about debt payoff after 3 intentional years.