How Real Women Paid Off Debt

Gabrielle Karol
Posted


Chase Blueprint

Debt can often seem unconquerable. Whether you’re facing down student loans or a mountain of credit card bills, it can seem like you’ll never be able to pay off all of it–or even make a serious dent.

We get it. We do. And you’re not alone: According to a nationwide survey conducted by LearnVest and Chase Blueprint, almost one-third of men and women surveyed said credit card debt keeps them from reaching their financial goals.

What’s more, in the study, the average outstanding student loan debt totaled over $30,000.

While debt is no small matter, you can pay it down … with some hard work, a little ingenuity and, most importantly, a plan.

To show real women just like you who have succeeded at just that, we collected inspiring reader stories from LV Discussions and in articles, in which readers share their tales of overcoming the odds. We love the creative, smart methods they use, and the dedication they show.

If you want a more detailed debt plan tailored to your particular situation, check out LearnVest’s financial plans or speak to one of our CFPs®.

To protect our readers’ privacy, all names have been changed.

Natalie

In February, I finally paid off all my credit card debt! At its highest point, it was about $10,000. Even more amazingly, I paid it off while moving from the Midwest, switching jobs and getting a divorce.

I got into debt while I was basically supporting my ex-husband, who in ten years never had a full-time job. While we made enough for groceries, anything besides that, like cigarettes (we were both smokers), traveling to visit my family in New York or going out to dinner, got put on the card. While I was always thrifty, my ex was a spender, so it all just slowly added up.

RELATED: What You Need to Know About Dividing Debts in a Divorce

We split up, and I moved to New York with about $2,000 in savings. I stayed with my family for a few months and sold my car to get an apartment, all while working remotely part-time. At this point, I was just paying off the minimums on my cards. When I got a regular job, I started paying off as much as I could afford, and as soon as I paid one down, I would put all that money toward a new card.

In the same week, I became debt-free and my divorce came through. Needless to say, it was pretty amazing! I’ve continued to be thrifty since becoming debt-free, and now I put all the money I was putting toward my cards to my retirement.

Alice

I paid off $28,000 in student loans and saved $11,000 in only three years. I’m single, so I gave away 75% of my things and moved into a house where I rented a small room. I was able to cut my expenses by $900 a month! I know it sounds crazy, but it was the most creative thing I could think of to pay off my debts quickly. Three years later, I’m back in my own apartment and still saving.

RELATED: To Pay Down Debt or Invest?

Sally

My husband and I paid off $122,000 in debt in four years through the snowball method (paying off the smallest balance first and then the next smallest, etc.). If I had to give advice, I would say get a second job to increase your income! Wait tables, deliver pizza, freelance, clean houses, walk dogs—whatever it takes to get debt-free!

Althea

In 2010, I had $76,000 in student loan debt after two degrees. I have already paid off $56,000. I’ve made a lot of sacrifices, but it’s totally worth it now that the end is near! That said, it definitely hasn’t been easy. I work a day job in management at a non-profit: In 2010, I was making $62,000 a year, but now I’m earning $70,000 a year, plus a $4,000 annual bonus. It’s definitely a good salary, but I live in Washington, D.C., which is an expensive city.

To supplement my income and pay down my debt more quickly, I’ve gotten creative. I’ve babysat through SitterCity, participated in focus groups and done other odd jobs. I also moved to a less desirable neighborhood, cut cable, limited data on my phone and tracked all of my spending. Each month, I have been able to put around $2,000 toward my student loans.

Lindsay

I got into debt by spending more than I was making on things like clothing, nights out, eating out, drinking, cabs and health expenses. I didn’t have a budget. Also, I took a big trip to India that cost me $5,000, and I didn’t save up for it at all.

My debt was about $7,500. Two years ago, I got a budget and began sharply curtailing my spending and paying off my debt. I paid the credit card debt fairly quickly (within five months), aided by a Christmas gift from my parents. But I still had almost $20,000 in student loan debt, so I spent another year paying that off. I felt so much relief when I paid the credit card debt off, but the student loan amount was such a huge sum, I was in disbelief for a month. Now I love the feeling of building up savings instead of paying off past debts!

Frida

I paid off $55,000 in debt in about 5-6 years. How did I do it? I found a book on getting out of debt, read it and set up a plan to pay off my highest interest rate debt first. Once I paid it off, then I put the same amount toward the next debt, until finally my debts were gone.

To free up more money, I rented a room for $400 a month instead of paying about $800-900 for an apartment. Additionally, I cut back on “fun” spending: I didn’t take any vacations outside my immediate area, only ate out at restaurants a few times a year, etc. I rented that small room for four years, until I got married. At that point, we rented a one-bedroom for $800, so my rent could stay the same. All the while, my income kept increasing, which helped as well.

RELATED: I Want a Plan for Paying Off Debt

Hannah

In less than two years, I was able to pay off approximately $35,000 in loans. While I still owe about $53,000, I should be able to pay it all off in another two years.

How did I do it? Although I really wanted a job in politics, I realized I couldn’t make $25,000 or less a year and manage to pay my $525 a month in student loan payments. Instead, I got a job as a legal secretary at a big law firm, and worked at least 10 hours of overtime a week for three years. All the extra money I earned went to my debt. My interest rates were 11%, 7% and 3%; I had a combination of private and public loans.

I’ve been promoted twice at the firm and now have a pretty good job. My advice if you want to pay off your loans is to get the highest-paying job with overtime you can find, keep your cost of living low (I commute over an hour to work in each direction) and don’t count on anyone to bail you out. If you pay them off quickly, you can then be free to get your dream job by age 27 or so.

Lisa

To pay off my debt, I would make multiple payments per month, regardless of the bill’s due date. If I felt like I had a spare $20, $50 or $100 in my bank account, I went ahead and made an online payment. It was so easy, and it was an instant confidence boost as I watched the balances decrease!

 

  • Nicoles

    I’ve been doing what Lisa did. And it’s working! Feeling great as my debt is disappearing!

  • Alyssa Weber

    This is all very inspiring. I recently paid off my credit card debt ($10,000 at it’s highest – very similar to Lindsay’s story), and it feels GREAT! Now, the only problem is my $22k student loans AND my car is about to kick the bucket. I have $8k saved for a down payment on a car, but it kills me to think of taking out a car loan. I live in Colorado where a dependable, AWD car is very important, and I know I need to take out at least a $10k car loan to get a quality car that will last me 10 years.
    Aside from that, I received a settlement from a malpractice suit when I was a baby on my 25th birthday this year, totaling about $70k. I am very tired of living with roommates, but rent for a one-bedroom is $1500+ per month. I have been considering using some of the settlement to buy a condo, but when I sit back and add it up…. car payment, student loan, mortgage… it is so overwhelming! Reading these women’s stories makes me feel like I should not take out any additional loans until my student loans are paid off, but I worry about my car’s reliability and know I would be much happier if I lived alone.

    The balancing act is so difficult. I am an electrical engineer and have a very stable career with a higher income than most people my age, and lots of room to move up. But even still, thinking about being in $232k debt is NOT  a good move…. any advice out there!?

    • Heather

       If you’re thinking you need to spend $18K on a car, you might want to rethink that!  I recently went the good but used route on a Subaru and am thrilled with it. It took me a while to find the car and the price I wanted, and it ended up being about 5 hours away from me, but the money I saved was very worth it!

    • Denvergal31

      If you have $70K in cash, pay everything off and you’ll still have enough for a down payment – condos are relatively inexpensive in Denver right now, but do your homework and make sure the HOA is in good shape and what your dues will include.  Car interest rates aren’t bad, but they’re nowhere near as good as home interest rates, so I’d buy a car with cash if you can manage – you’d be shocked at how many good deals there are on only slightly used cars, and if you’re paying cash, it’s a win/win.  Anyway, as a fellow Denverite, good luck and enjoy this fine CO fall we’re having!

      • Sheila

        I’d have to disagree.  Many car companies are offerring 0% financing so you’d be better off putting more money towards the condo than the car.  A 0% loan isn’t going to cost you any more, but interest on a condo would.  Plus if you are wanting a car to last 10 years you’d probably be better off buying new.  I guess it depends on how much you can afford to budget for a car payment.  $8K down is pretty significant so I’m sure you could still get a decent monthly payment with that.  I’m sure $60 towards a condo would significantly lower your payments.  Just remember that with home ownership comes other expenses so you might consider holding back some of that $70K in a savings account that’s easily accessable.  You can always make larger payments later towards something if you have the cash on hand.

    • nikki j

      If not taking out additional loans is very important to you, then I would encourage you to buy a slightly used car.  I am sure that you can find something that is dependable for 8k.  Research the internet and find a friend of family member that is knowledgable about cars.  I sell used cars and a lot of people would be shocked to know what good deals are out there if you know what you are looking for.

    • Mara

      Alyssa, I am also young and I make a higher income than people my age and I started my real job after gradschool with some credit card debt (about 8K).  I know it is hard because of the pressure we get often pushing us to upgrade our life style because we have a nice job but believe me it is worth it to get the things you want when you have the money in hand.  I got myself a subaru 2001 (forester) with 70,000 miles that I love! and it costed me about 5K (had to drive like 4 hours to get it)  and I am soooo glad I paid cash for it…its not a 2012 but it’s mine..not a loan.  Now I can put the money that I otherwise would be putting in a car payment and upgrade in a few years if I want to.  Yes…they give 0% financing in new cars but I don’t find it smart to get something that looses value so fast. I think getting in debt for a house/condo is more reasonable than for a car.  You can get a nice car with good planning and patience..something decent for now and something much better for later (by saving not borrowing).  Rent here in boston is also horribly expensive and if would have been just my choice I would have chosen a cheaper place to live so I could save a bit more before upgrading.  Just think about it hard..after all its your choice…but keep in mind that having peace of mind regarding finances is something you can achieve (thanks to your job and education)..as long as you plan and prioritize what is important to YOU not what everybody else believes.  

    • Nikki3689

      you can get a really good used car for $4,000. you shouldn’t spend all of that money on a car.

    • Reni

      If you are really unsure of what to do I would recommend going to see a financial advisor. These are all really overwhelming, big life decisions and having someone (who is emotionally unattached and an expert) to help you look through options would be worth the relatively small amount of money it would cost. I know personally that it is hard for me to make financial decisions without getting emotional (AKA scared because I’ve had some financial hiccups in my life) and talking to someone about it is always helpful. Good news is you have done your research and are cautious with your money! 

    • Carrie Pink

      If you have $70k cash… Buy a $10-15k car preferably as close to new as possible. Pay your student loans off in full and buy a inexpensive condo with a FHA 3% downpayment loan for first time homebuyers. That way you should still have an emergency fund left over!

    • Joanne P

      You can get a good used car reasonably priced.  The local library should have the consumer reports used car buying guide for 2012.  Also, when you get a new car, not only does the car depreciate as soon as you drive off the lot, but you pay additional for insurance because the car is brand new.  If you get a used car with a warranty still intact, you have the cheaper insurance for your car, as well as the warranty, and a car that should last for quite a while.  Many models are still running strong at $200,000 miles if they are well cared for, and a reliable model.

      • Jennifer

        I’m driving a 1991 bmw 7 series with 143 something mileage on it and still drives awesome! I have no car payments whatsoever and my insurance is cheap because I have a clean record with dmv…

    • MO

      I live in the Denver area and a 1BR/1BA rental in a nice neighborhood is around $800, probably around $100 more for utilities, etc. $1500 is expensive – you can find nice for much less. As for the car, I agree that you can get a very nice used AWD car for less than $18k.

    • MimiBanker

      Those strident loans likely have a variable rate that can go as high as 18%. I’d use part of the cash to pay those off first.

  • Alyssa Weber

    That is the tactic I used as well! And I paid off $10k in debt in less than a year! Keep at it and it will pay off :)

  • Engchik

    awesome!!! extra jobs, cooking at home- even buying bread, cheese and soup at target for a quick tasty meal is better than going to panera/wawa, etc and spending the same amt on half a sando and a cup of soup.

    • Jennifer

      I completely agree with you…I cook at home all the time and make my own sandwich and always just buy on sale…

  • http://www.amateurvagrant.com/ Rae

    I have been really focusing on my credit card debt, which isn’t even that much, but I haven’t had credit card debt in years, so it’s been really discouraging (I was unemployed for six months). I am paying the minimum on everything else while I put like $700 toward my credit card each month, and then I put a little away for savings. Even if I feel like I come up short at the end of a pay period, I don’t touch my credit card. I’ll go into one of my savings account first. This way, I am sure I can start off the new year without any credit card debt, and I love imagining how good that will feel. 

  • Liz

    Sounds like being single (or newly single) has helped some of these women get on top of their debt. It can sometimes be hard to suppress unnecessary spending when you want to enjoy date nights with your spouse, or when you live with someone who convinces you that you deserve that new pair of shoes or a night out. Agh!

    • http://twitter.com/okayamanda Amanda Trimble

      Totally agree. Haha

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    • Sami

      I agree with you about the being (newly) single.  Once my boyfriend and I ended things I moved out and instead of contributing $$ to his household expenses, I have straight rent so I am able to budget so much better.  I buy enough food just for me so nothing goes to waste, and I am slowly chipping away at my debt.

  • Liz Jones-Dilworth

    Paying off the debt with the highest interest rate first is working for me. I got LASIK surgery, which I could have afforded to pay for all at once, but they offered a credit card that accrued no interest during the first year. My payment was $450 per month. When that year was up, I immediately started putting the $450 toward a student loan and was able to pay it off in a couple of months. Now I’m putting the LASIK and the student loan payment together ($490) and paying off my car. What would have taken 3 years to pay will now be paid off in about 8 months. At that point, we can start putting over $1,000/month down on our last remaining student loan.

    Once I started applying extra payments to that first loan, the whole process of debt reduction became extremely addicting and empowering.

  • shantreks

    It sounds like most of the women featured do not have kids and are
    renting, so they have the flexibility to get a second job or to move to cheaper
    housing.  These are great stories and
    strategies for women in those situations, but not everyone has that kind of
    flexibility.  I feel fortunate that I
    have managed to stay on top of our debt, for the most part, but we do have
    student loans (about $18K) that seem like they haunt us forever.  We live in a very low-cost city so I have
    that going for me, but we are about to have 3 kids in daycare, which is a
    massive expense (more than my mortgage and utilities combined).  I guess the takeaway is to just start
    somewhere and chip away at it, don’t get discouraged, but it would be nice to
    see how some others who are stretched just as thin have done it.

    • PunkinsMama

      I was thinking the same thing while reading this.  They must be single and have no children.  I was doing so well with the snowball method of paying down my debt (credit cards $8,000 and student loans $22,000 after grad school).  I worked part-time at a hotel on weekends and holidays and felt good about the progress. Well, here comes a baby and 6 months on bedrest. We had to move to a larger place and then 6 months later his salary was cut drastically. I make minimum payments now and it feels terrible.  I applaud all of these women because it takes effort and willpower.  It was me a year ago.  But, things change.  I’ll be so happy when things turn around so I can get back on track.  I’m constantly reading up on tips to help but a second job, smaller living space, and longer commute wouldnt cut it for me.

  • lin

    This is inspiring (particularly the bits of advice regarding taking on extra work on the side), but also a bit depressing.  What if I really value  opportunities to travel abroad and eat out at interesting new restaurants?  What if I don’t want to be 30 + and living with roommates, scrimping to count every dollar, and avoiding fun activities that enrich my life?

    • Sheila

      Totally understand.  I’m in the same situation.  Although I’ll scrimp and save in some places, there are other areas where I won’t.  I believe you still have to live your life.  For example, I got the opportunity to go to Hawaii a few months ago.  Basically all I had to pay for was the airline ticket and anything extra I wanted to do or buy while I was there.  That’s an opportunity that I knew I wouldn’t get again.  Sometimes you just have to decide what’s most important to you. 

      • LeAnne

         Agreed.  Saving up all the money in the world doesn’t help if you’re dead.  I try to save my splurges for things that are really important to me like travel.

        I always say, “Plan like you’re going to live forever; live like you’re going to die tomorrow.”

    • dina

      take a look at how much you make and see if you can afford the lifestyle you want! if you can’t on your current salary, you could take a side job or look for a new job. you don’t have to live like a scrooge, and i don’t think that is what they’re suggesting in this article. i think it’s important to take stock of your biggest financial priorities and see how you can make those things happen, rather than complain about not being able to afford your lifestyle. for me at least, the sacrifice of having roommates or eating in is totally worth it! last year i was working part time at a nonprofit and then temping, and managed to save all the money i needed for a two week trip to asia last christmas. the short term peanut butter and jelly sandwich lunches were a small sacrifice to make.

    • Sara

      I guess it’s up to you on whether it’s more important to travel, eat out, live alone, etc than pay off your debt. Which gives you a bigger stomach ache: thinking about your debt, or thinking about not doing all the activities you mentioned? Whichever choice allows you to really enjoy your life, and I mean for the long term, might be your best choice.

    • LeAnne

       Then make more money.

    • Marissa

      I’m also in a similar situation, as a single woman in the city, I don’t want to feel like I’m sacrificing my life to payoff debt, plus I love to fly all over to visit friends and family or just take a long weekend away.  It was hard to find the balance to keep a social lifestyle while paying off my credit card debt.  You start getting creative about what you invite your friends to do and I did give up living alone.  I’m able to rent out the second bedroom of my apartment to lower the cost.  It’s a hard adjustment, I love living alone, but I keep thinking about the things I can continue doing because of that extra money while getting rid of my debt.

    • http://twitter.com/brechild Briana Thrower

      I’m in the same position. I’m in my early 30s and I just broke up with my live-in boyfriend. So, in essence I lost my roommate. I have no desire to move to a small room again. I did that in my 20s and it’s very awkward. I toyed with the idea of moving somewhere to have a roommate but in actuality because of the area I live in, it was about the same price. I would end up saving only about $50. That’s not enough to give up my independence.

      I work 10-20 hours extra per week and try to eat cheaply & I’ve stopped going out. But I truly live a mundane life and posh vacations and those great restaurants/cultural events are what keep me going at my boring, stressful job.Just thinking of getting to splurge on something I will always remember is the best part of life.I won’t be able to go on another trip for a few years, but when I do, it will certainly be worth the sacrifice.

  • JenInBoston

    These are great and I wish I’d had LearnVest when I was 22…a long time ago. But these days, I’d really like to see stories from people who are supporting kids. I’m willing to live in a box-sized room with apartment mates but it’s not as feasible with a child in tow. Same goes for additional P/T or overtime work. I need parent-friendly strategies!  :-)

    As someone responsible for a child, I view not only any improvement in my *own* current financial status, but also any activity that will improve my child’s *future* financial status, as a success right now. 

    I don’t want to set my child on the same path I was put on (huge loans adding up from age 17, budgetary ignorance, career confusion–especially with regard to financial implications). I view this as part of my own financial responsibilities, and would like to see more from LearnVest on the topic. Thanks!

    • Carrie@LearnVest

      Hey Jen,
      Thanks for posting this. This is Carrie, the editor of LearnVest. I’m with you that I wish I’d had LV at 22, too. 

      Just wanted to tell you that we do want to represent women’s stories from all stages of life, whether young and single, raising kids, nearing retirement, etc. If there’s ever a specific story you’d like to read, email us at feedback@learnves:disqus t.com. 

      I also wanted to point our LV Moms newsletter, which is specifically for, well, Moms. It’s all stories aimed at helping you make better financial choices as a mom—and to teach you how to raise a money-savvy kid … who will have LearnVest when she’s 22, or maybe even 2!

  • gcola3

    This is inspiring. 

    I went to the LearnVest Live event and saw guest speaker Becca Wildsmith, who won the opportunity to attend and speak at the event by sharing her story of doing all the right things, including taking a $25,000 gift from her parents and choosing to save instead of using it for her wedding, and then being prepared financially when she found that she had cancer (now in remission.)   

    Becca’s story is great, the writing was exceptional and if you read it you will probably cry (I did!)  And although her story is uplifting, (survived cancer, has savings, married the love of her life,) THIS is what Learnvest is all about to me.  Learning good habits, learning how to take control, doing what is best for you.  Thank you for this article.  This means so much more to me that Becca’s “I was taught good habits by people with good habits and have always done the right thing” story.

    Great job, contributors. 

  • Guest

    We paid off $95K in debt in 7 years.  A lot of the debt was student loans.  We also had about $25K in credit cards from both using them to supplement our lifestyles in college (before we met) and a vehicle loan. 

    This was while we had 2 children, job changes and an across state move.  One of our children has autism, which comes with astronomical bills.  But we still did it!  I took a Crown Financial class and read Dave Ramsey.  The snowball effect really does work! 

    My husband was also able to find a job through the National Health Service Corp. that paid off all of his student loans in addition to a hefty salary in exchange for a two year work commitment.  It meant a move for the family, but it was a good financial choice for us.

    We are now debt free, except the house, and I was recently able to quit my job to be a full-time mom while my kids are still young.  Sure there were sacrifices, but I would do it all over again and more.  I’m now spending my days caring for my children and watching them grow. And I’m giving my kids a childhood where they get to play, sing, read, dance, bake, and explore with their mommy every day. 

    Less debt = more freedom for our family

    • gcola3

      So fantastic.  Congratulations.

  • Michelle H

    Any “real women” have experience with a WHOLE LOT of debt? I graduated from school three years ago with $140,000 dollars in student loan debt. (From 4 years/2 Bachelor’s degrees at an Ivy League school.) 

    I’ve been able to pay off about $10,000 of this debt over the last three years, but I have $0 savings. Between rent (Living around Washington, D.C. is EXPENSIVE!), bills, and student loan payments, 80% of my income is spoken for, which leaves very little money to eat on and pay for transportation and health costs. I need help! Or at least someone to tell me that it is possible to come out from this amazing amount of debt.

    Thanks…

    • Amanda

       There are jobs out there that will help you pay your student loans.  My husband is a counselor and was able to go through the National Health Service Corp. to wipe out his loans. 

      There are other programs for other professions.  You can search online for “Student Loan Repayment Programs” or “Student Loan Forgiveness Programs”.  This will probably require a time commitment, but is definitely worth it to get the loans covered along with a salary and more job experience.

    • Jillalalala

      Hey Michelle! Be encouraged, it may seem like it will take many years (it usually does), but just pay off as much as you can soon as you can. I will receive my BA this spring, my loans will be around 50K. I am going to grad school afterwards and I anticipate it costing around 30K. Presently I have a decently paying internship but most (70-75%) of my budget goes to my rent. But every month until I graduate I am paying around $200 to cover my loans so I can start tackling them. 

  • Mara

    I finally paid off my credit card but then my family came to visit and for some reason when it is for other people I give myself a green light to spend money I don’t have (bad bad idea)…I am back in debt but not by much..I want to pay this up by January so this year I will not be buying too many christmas presents…I got pinterest so I can make crafty ones..

    • Carrie@LearnVest

      Hey Mara,
      Carrie here, the editor of LearnVest. You are so not alone in not wanting to overspend at the holidays. In fact, look for a story next month where we’re going to pick out the coolest DIY gift ideas out there and show you how to get crafty with ‘em (just in case you want more Pinterest inspiration.) 

      Oh, and coming up sooner, we’ll have a story on how to create a holiday budget you can actually stick to. 

      Good luck paying down that debt again. You did it once: I’m sure it will be gone in no time!

  • http://twitter.com/KnowledgeStrng Knowledge Strong Inc

    Nice job ladies!

  • Amie

    This article is so awesome and so motivational! I feel like I will never be out of debt and I don’t have half of the debt that some of these women have. If they can be smart and disciplined and pay off thousands and thousands of dollars worth of debt, so can I!! Thank you to all who shared.

  • Lissy

    This was awesome! It really was inspiring and humbling to read.

  • Peekstar

    I paid $45,000 in 2 years. Combo of living with my parents and generally living frugally. Pay off debt with largest interest rate first! And I spent about 75% of my income paying off my debt each pay day.

  • Lisbell77

    I paid off around 18,000 of consumer loan debts in 11 months….I had around 11k or 12k in credit card debt, and  6k in a car loan. I also managed to save around 20k.  It was hard, but it was amazing when I was making progress so quickly..it all began in january and me and my girlfriend were asking ourselves where our paychecks go each month….I put myself on a strict cash budget of 100 per week to cover groceries and going out expenditures…..it freed up so much cash during the month. I first paid off the car note, which was 369 per month, then i combined that payment towards the credit card..I now live credit card free now, and am a loyal saver! Its changed my life for sure! I love it.  Just because you may have money doesn’t mean you should spend it! Be smart with what you have! this is what I learned.

  • LivsMom

    Thanks so much for this article!  It is very inspiring but it does seem to focus on single, or newly single, women mostly.  
    I wish there were some stories in this or a similar article from young married couples, perhaps even with a new baby, who also conquered their debt.  That would be a huge help to me and my situation as my husband and I are married 3 years and now have a beautiful 1 year old (surprise!) daughter.  We were in debt before our daughter was born and my husband was still in school at the time so aggressively paying down our debt was a challenge since he wasn’t bringing in a full time paycheck.  He has since graduated (yay!) but his new student loans, and our daughter, only increased our monthly bills and total debt by over $25,000.  It’s been very hard, to say the least, and I’d love to hear how other couples are managing similar situations.  The info posted here is still appreciated.  Thank you again!

    • Mose Newthing

      CATHOLIC WOMEN LOAN ORGANIZATION FINANCE FIRM

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  • Vermelle Vf

    I like snowball and high interest. paying off debts.
    Perhaps I would start with snowball then go to
    payin off high interest accounts. I like a combination effect.

  • http://twitter.com/LithiumBook aubrey nicole

    Just finished paying off my credit card, student loan, and car debt this month and it feels awesome! Best advice I received and followed was to find a way to make extra money every month, even if just a couple hundred dollars and to throw that money directly at the debt. Also, just stop shopping. Most people have everything they need already in their wardrobes. Just stop. You’ll be shocked at how much money you have left over to pay bills. :) Totally worth it. I feel free to live whatever life I want to now, without feeling like I HAVE to work or I’ll drowned.

  • One of these days

    Paying off debt is really hard! It’s the major cause of my relationship’s fights. We got into debt, because we were buying things we shouldn’t of had. He’s had a few different jobs in the past few years, and we lived on our credit cards for the times that he was unemployed just to get by. It’s definitely hard to see the light, at the end of the tunnel sometimes! It’s definitely depressing. I am trying. I really am. I just need to stay positive. 

  • helen jean

     
    my name is jane , i have been duped by  armed robbers $658000 when
    i travel for a business transaction in Japan, so my life was now empty and
    no where to run to i was confuse and i wanted to kill my self, because
    thing where difficult for me and my 3 children i can pay for their fees any
    more, my first child drop out of University because I have no money to
    afford the fees, and my husband left me for so many years i don’t even no
    his where about. my brain was turn upside down because I always thinking
    about the money, one day I went for a research on the internet and i saw Elizabeth
    Whitney testify that excellcommunitybankloan@gmail.com gave her loan to
    start up her life. After reading i explain every thing to Mr. Adams bond
    true tears and sorry and he promise to help me, i did what he ask me to do
    and he lend me the sum of $145000 to start up a business again. i am happy
    with my family again thank you excellcommunitybankloan@gmail.com

  • Jmd

    I moved from my beautiful water front apartment into my boyfriends tiny house…he told me to take my “rent money” and pay off debt, we made food at home, made coffee at home, I only bought on ebay, sold on ebay, saved change, ate leftovers,  and started living within my means. On my way to no more credit card debt!

  • Anna

    These stories are great for single people but what about for families? I never worried about money until I had a child. My husband and I have average salaries but we lived in a 1 bedroom condo, had a 20 minute commute to work and took nice vacations. We moved out of the city to have more space for our child and now we have a small house, an hour commute to work, daycare to pay for, and we’re scraping by. I’ve always been frugal with spending, but as much as I save every month it goes straight to credit card payments and doctor bills. I don’t have extra time to get a permanent second job but I do extra work on the weekends when I can.

    What am I supposed to do? I thought this was the American dream but it certainly is harder than it seems.

  • Candylyoung

    This article was so very inspiring – I would love to see more like these – when paying off debts – you can never get enough inspiration.

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  • Lady Rose Moore

    We offer loans to business organizations and individuals at a low interest rate of 3%.If you are interested in getting a loan from us, return to us now via ladyroseloanfirm@india.com for more info

    Awaiting your response if you are still interested okay

    Thanks

    Lady Rose Moore

  • jason haris

    Your place is valuable for me.

    jason
    rescue my pension

  • Tina Penny

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  • КРЕДИТ

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  • Mr john Pedro

    Greetings to you all
    I am Mr John Pedro a legit loan lender, do you need urgent loan to start up your own business or to pay off your debts, we offer fast and liable loan to any part of the word in any currency at the lowest rate of 2% with duration of 1 to 20 years, if you want to borrower loan in my company you are to fill the borrower form below so that we can tell you the next procedure.
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  • mr luther

    if you need a legitimate loan to start up your life or settle debts get back to us now via email as johnlutherloanfirm1@outlook.com
    regards

  • mr Smith

    Hello everyone am here to testify how i got my loan from Mr. Robert after i applied several times from various loan lenders on this same site who never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders on this forum who promised to help but they never gave me the loan. Until a friend of mine introduce me to Mr. Robert Anthony who promised to help me and indeed he did as he promised without any form of delay.I never
    thought there are still reliable loan lenders until i met Mr.Robert Anthony, He is such a reliable man. I dont know if you are in anyway in need of loan,please dont hesitate to meet him for assistance,you can contact him through his email address{ubaloanbankltd@yahoo.com }.GOD BLESS

  • James D Payne

    Good Day To Everybody In this site i want to testify how i was
    rescue by Mr Scott Utah When i was Rip off I’m Mr James D Payne by name.
    I live in USA, i want to use this medium to alert all loan seekers to
    be very careful because there are scams everywhere.Few months ago I was
    financially strained, and due to my desperation I was scammed by several
    online lenders. I had almost lost hope until a friend of mine referred
    me to a very reliable lender called Mr Scott Utah who lend me a loan of
    $10,000 under 8hours without any stress. If you are in need of any kind
    of loan just contact him via email……am.invest@blumail.org i am using
    this medium to alert all loan seekers because of the hell I passed
    through in the hands of those fraudulent lenders. And I don’t wish even
    my enemy to pass through such hell that I passed through in the hands of
    those fraudulent online lenders,i will also want you to help me pass
    this information to others who are also in need of a loan once you have
    also receive your loan from Mr Mr Scott Utah,i pray that God should give
    him long life. God bless him forever for the good things he has done in
    my life. Mr James D Payne

  • Richard

    Do you need a Loan to start up a business or to pay up your bills ? We give out Loan at 3% Interest Rate ,if Interested Kindly send us your,Name,Amount Needed,Duration,Phone Number,Address,Country and Monthly Income Via Email to richardloan69@gmail.com.sg

  • Member

    Good Day I am Mrs (Vicky) from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 500,000USD from the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact her at fidelityloanfirm@outlook.com he is a very God man and I know that he will help you immediately.. Below is he loan encouraging words. For loan lenders Are you financially down and need loan? Do you need loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for various other processes? email contact: fidelityloanfirm@outlook.com

  • bernille

    Hello every body
    My Name is john smith from Port Land .I will love to share my testimony to all the people in the forum course i never thought i will have my girlfriend back and she means so much to me..The girl i want to get marry to left me 4 weeks to our wedding for another man..,When i called her she never picked my calls,She deleted me on her face book and she changed her face book status from engage to Single…when i went to her place of work she told her boss she never want to see me..I lost my job as a result of this cos i cant get myself anymore,my life was upside down and everything did not go smooth with my life…I tried all i could do to have her back to all did not work out until i met a Man when i Travel to Africa to execute some business have been developing some years back..I told him my problem and all have passed through in getting her back and how i lost my job…he told me he is going to help me…i don’t believe that in the first place.but he swore he will help me out and he told me the reason why my girlfriend left me and also told me some hidden secrets.i was amazed when i heard that from him..he said he will cast a spell for me and i will see the results in the next couple of days..then i travel back to Germany the following day and i called him when i got home and he said he’s busy casting those spells and he has bought all the materials needed for the spells,he said am gonna see positive results in the next 2 days that is Thursday…My girlfriend called me at exactly 3:15pm on Thursday and apologies for all she had done ..she said,she never knew what she’s doing and her sudden behavior was not intentional and she promised not to do that again.it was like am dreaming when i heard that from her and when we ended the call,i called the man and told him my my girl friend called and he said i haven’t seen anything yet… he said i will also get my job back in 3 days time..and when its Sunday,they called me at my place of work that i should resume work on Monday and they gonna compensate me for the time limit i have spent at home without working..My life is back into shape,i have my girlfriend back and we are happily married now with a baby boy and i have my job back too.This man is really powerful..if we have up to 20 people like him in the world,the world would have been a better place..he has also helped many of my friends to solve many problems and they are all happy now..Am posting this to the forum for anybody that is interested in meeting the man for help.you can mail him to spiritualherbalisthealers@gmail.com I can;t give out his number cos he told me he don’t want to be disturbed by many people across the world..he said his email is okay and he also have a web site if you want to visit him there’ he will replied to any emails asap..hope he helped u out too..good luck. Dr Zuma zuk of spiritualherbalisthealers@gmail.com is a great man..

  • Belen Drilon

    How my search for a real loan lender was actualized: I am Engr Belen Drilon by name, A born citizen of New Zealand, But due to my business i reside and i live in Canada. I have been here with my family for the past 25 years now for business. Before i really move on with my success story. I will want to first of all let everyone know that i am not joking with my story. Almost six months ago, I was in a critical search for a genuine loan lending company were i can obtain a loan of $120,000.00 Dollars, On this search i was not lucky to contact this reliable and dedicated loan firm that has taken helping those in need of loan there sole responsibility without failing them. During my search i contact four loan lenders online that promised me loan but at the end of it all i was aware they were fraudsters and complete scammers from Nigeria that were reported to the FBI by me when i found out that they out online to rip were they did not sow. But before i could realize this, I have lost over $17,500.00 dollars to them. Anyway i am so happy now as i am smiling now, Because i finally meet with this reliable loan company called Nort Jeje loan Investment who finally granted me my desired loan amount of $120,000.00 for the period of 16 Years. To be honest with all that are in-search of a real and genuine loan company, I was in a very big doubt when i contact them online after reading through there advert were they said they offer loan to the world, Oh !! I will never forget on the 2/1/2014 which was in the afternoon my time when i was suffing through the internet when i came across the advert that was posted by them. I don’t really know what take my attention to that advert, Because i vowed to God that i will never contact any loan lender online again, That they are all con artist and rip off. But this day that i read through the advert of this loan firm know as Nort Jeje loan Investment, A spirits inside of me direct me to contact them and when i did, I told them all i have been through online trying to get loan and they personally sympathize with me and said to me that i should be lucky and thank God for directing me to them finally, As they are giving me a 100% assurance that after this loan process has been done, That i will get my loan show up on my banking information’s that i sent to them during the period of processing my loan amount. I am so happy and i don’t even know what to say about this dynamic loan firm anymore that i came in-contact with that grant me my loan amount without any trace of scam activities. I am so sure that if this advert that i am dropping on this website is seen by the board of directors of this loan firm they will be impressed as i promised to testify of there goodness if they can grant my huge dream loan amount that has taken my business to the next level now. To all you loan seekers out there that need loan to speed up his / her business, settle long period accumulated bills / debts and to be financially stable, i urge you all today and now to stop searching as i and my wife is telling you all in the name of God for those that are Christians like us and to the Muslims, we are telling you all in the name of Allah if i am right, not to fall a victim to those scammers / rip off artist out there online, As be wise to kindly send your loan application to Nort Jeje loan Investment as you are not going to regret doing this at all. The kind of loans they grant to customers are as follows: Personal Loan, Business Start-up or Expansion, Education, Debt Consolidation, Hard Money Loans, etc. Save yourself from the scam loan lenders online and send your loan application to : nortjeje@hotmail.com for your loan amount..

  • Ann Taurus

    I am the happiest person on earth today because today My five years Boyfriend lover came back to me on his knees with tears on his eye begging me to forgive him and accept him back, Dr. Magbu a great Spell caster made this possible with the help a spell. i saw his email on the internet where a girl post on how Dr. Magbu helped her so i decided to contact his and he told me that every thing will be fine and now i am happy because Dr. Magbu is a man of his world because everything went well as he promised me. If you Are have misunderstanding with your love or you lover is seeing someone else, what is your problem that you which to solve? contact Dr. Magbu today via email and every thing will be fine okay Here his contact email address: reunitingexspell@gmail.com

  • Member

    Hello every one please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $1,800 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Mr Daniel Jones who is the CEO Fidelity Loan Firm, So i applied for a loan sum of ($60,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan, so i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: fidelityloanfirm@outlook.com as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life. I am Olivia y by name you can email to confirm oliviaphilip40@gmail.com

  • Frank Marian Frank Marian

    >Hello my name is frank Marian from USA I never
    >believe in love spells until I experience Dr.
    > DR Ofemo temple, and after he cast a love spell for me
    >my Ex called me to apologize for the pain that she has
    >caused me and till today we are living a happy family,
    >if you need a right place to solve your problems
    >contact DR Ofemospelltemple@gmail.com is the right choice. he is a
    >great man that have been casting spells with years of
    >experience, he cast spells for different purposes like:

    >(1)If you want your ex back.
    >(2) if you always have bad dreams.
    >(3)You want to be promoted in your office.
    >(4)You want women/ men to run after you.
    >(5)If you want a child.
    >(6)[You want to be rich.
    >(7)You want to tie your husband/wife to be yours
    >forever.
    >(8)If you need financial assistance.
    >(9)Herbal care
    >
    >Contact him today on: drofemospelltemple@gmail.com

  • TUCKER CONRALD

    With all due respect i want to thank DR. TEBE for
    bringing joy and happiness to my relationship and my family. I want to
    inform you all that there is a spell caster that is real and genuine. I
    never believed in any of these things until i loosed my boyfriend, I
    required help until i found greattebespelltemple@gmail.com
    A great spell caster, And he cast a love spell for me, and he assured
    me that I will get my boyfriend back in just 24hours after the spell has
    been cast. 24hours later, my phone rang, and so shockingly, it was my
    boyfriend who has not called me for past 3 years now, and made an
    apology for the heart break, and told me that he is ready to be my back
    bone till the rest of his life with me. DR. TEBE released him, to know
    how much i loved and wanted him. And He also opened his eyes to picture
    how much love we have share together. As I am writing this testimony
    right now i am the most happiest girl on earth and me and my fiance is
    living a happy life and our love is now stronger than how it were even
    before our break up. So that is why I promised to share my testimony all
    over the universe. All thanks goes to DR. TEBE for the excessive work
    that he has done for me. Here is his email address greattebespelltemple@gmail.com His web site address is http://greattebespelltemple.webs.com or you can call him through his private number +2349034883690.

  • User

    My name is Mr Paul Ferdinand, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for fidelityloanfirm@outlook.com they will never fail, your life shall change as mine did.

  • User

    My name is Mr Paul Ferdinand, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for fidelityloanfirm@outlook.com they will never fail, your life shall change as mine did

  • User

    My name is Mr Paul Ferdinand, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for fidelityloanfirm@outlook.com they will never fail, your life shall change as mine did.

  • Rose Winnse

    THANKS TO GREAT DR AISABU FOR SOLVING MY PROBLEMS HIS EMAIL IS (aisabulovespell@gmail.com)

    I was married to my husband for 5 years we were living happily together for this years and not until he traveled to Italy for a business trip where he met this girl and since then he hate me and the kids and love her only. So when my husband came back from the trip he said he does not want to see me and my kids again so he drove us out of the house and he was now going to Italy to see that other woman. so I and my kids were now so frustrated and I was just staying with my mum and I was not be treating good because my mother got married to another man after my father death so the man she got married to was not treating her well, I and my kids were so confuse and I was searching for a way to get my husband back home because I love and cherish him so much so one day as I was browsing on my computer I saw a testimony about this spell caster DR AISABU testimonies shared on the internet by a lady and it impress me so much I also think of give it a try. At first I was scared but when I think of what me and my kids are passing through so I contact him and he told me to stay calm for just 24 hours that my husband shall come back to me and to my best surprise I received a call from my husband on the second day asking after the kids and I called DR. AISABU and he said your problems are solved my child. so this was how I get my family back after a long stress of brake up by an evil lady so with all this help from DR AISABU, I want you all on this forum to join me to say a huge thanks to DR AISABU, and I will also advice for any one in such or similar problems or any kind of problems should also contact him his email is (aisabulovespell@gmail.com) he is the solution to all your problems and predicaments in life. Once again his email address is (aisabulovespell@gmail.com)

    HE IS SPECIALIZING IN THE FOLLOWING SPELL.

    (1) If you want your ex back.
    (2) If you always have bad dreams.
    (3) If you want to be promoted in your office.
    (4) If you want women/men to run after you.
    (5) If you want a child.
    (6) If you want to be rich.
    (7) If you want to tie your husband/wife to be yours forever.
    (8) If you need financial assistance.
    (9) How you been scammed and you want to recover you lost money.
    (10) If you want to stop your divorce.
    (11) If you want to divorce your husband.
    (12) If you want your wishes to be granted.
    (13) Pregnancy spells to conceive baby
    (14) Guarantee you win the troubling court cases & divorce no matter how what stage
    (15) Stop your marriage or relationship from breaking apart.
    (16) If you have any sickness like (H I V), (CANCER) or any sickness.
    (17) If you need prayers for deliverance for your child or yourself.
    Once again make sure you contact him if you have any problem he will help you. His email address is (aisabulovespell@gmail.com) contact him immediately.