“Someone needs to hear your story!”
Jeanetta Spencer
I love reading stories about people’s journeys. I love finding someone that I can relate to. It makes it feel like I am able to accomplish the same exact goal. So that’s my mission today. I’m going to quickly sum up my debt-free journey with the hopes of inspiring someone to start their journey.
Debt Journey Timeline: 31 months. September 2017- May 2020.
Total debt:$ 57,747
Type of debt: 2 credit cards (Victoria Secret and Discover)
1 car loan
A huge student loan (I consolidated my loans)
Here are a few fun facts about my debt free journey:
📌 I didn’t reach my original debt-free payoff date. I wanted to pay my debt off in 2 years and when it didn’t happened, I became discouraged. Read all about that HERE. But I’m extremely grateful because a few months later I was able to accomplish a huge goal.
📌My favorite song during my debt-free journey was ”Sallie Mae Back” by @dee1music! That song inspired me to tackle 50k of student loan debt. Thanks, @dee1music! Watch the music video, guys!!
📌Chipotle was my go-to restaurant while I was paying off my debt! If I wanted to be fancy, I went to The Cheesecake Factory.
📌I made my last student loan payment on 5/20/20. Want to learn how you can pay off your student loans fast? Check out my blog “10 Tips For Paying Off Student Loans Fast”.
📌I had two side gigs during my debt-free journey. I coached middle school cheerleading during the school year and I worked in dietary at a local hospital in the summers.
📌My favorite quote during my debt-free journey: “Live like no one else, so later you can live and give like no one else.”
📌 I am following Dave Ramsey’s seven baby steps. I took Financial Peace University while paying off debt. To learn about my experience and the program, check out my blog “Why I went through FPU and so should you!”
📌One word to describe my journey: transformative.
📌𝐎𝐧𝐞 𝐩𝐢𝐞𝐜𝐞 𝐨𝐟 𝐚𝐝𝐯𝐢𝐜𝐞 𝐭𝐨 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞𝐢𝐫 𝐣𝐨𝐮𝐫𝐧𝐞𝐲: 𝐃𝐨𝐧’𝐭 𝐰𝐚𝐢𝐭. 𝐃𝐨 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐰𝐢𝐭𝐡 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞. 𝐒𝐮𝐫𝐫𝐨𝐮𝐧𝐝 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 𝐚𝐫𝐨𝐮𝐧𝐝 𝐥𝐢𝐤𝐞-𝐦𝐢𝐧𝐝𝐞𝐝 𝐩𝐞𝐨𝐩𝐥𝐞.
❓: Have a specific question about my journey? Leave a comment down below or send me a DM on Instagram and we can chat!