Debt Free Journey: January 2021

Looking back on January 2020 versus January 2021, there are very unique differences. For starters, we were not in a pandemic in January 2020. At that time my debt free journey was serious but not as intense as it currently is. Last year I was standing in a pile of debt valued at over $30,000.... Continue Reading →

Debt Free Journey: November 2020

This month was one of those months where spending was higher than usual. My budget allows for spending, but I do not usually spend the maximum amount. With friends visiting, holiday preparations, and work trips, I was able to pay down an additional $2,900 on my student loans. Actually, that was the plan. This month... Continue Reading →

Debt Free Journey: October 2020

This month was really a test of how my budget and behavior worked together to keep the momentum going. October started a new Fiscal Year and something happened with my military orders that resulted in a lapse of pay. No worries. I was back-paid in the middle of the month and it was like nothing... Continue Reading →

Debt Free Journey: September 2020

In keeping with my vision for this series, here is another real-time update. I challenged myself to share this journey in real time because it's easier to talk about success after the journey is over. It is often more difficult to talk about a journey as it is happening. Commence the update. This month I... Continue Reading →

Debt Free Journey: August 2020

If you have been following this series for any amount of time, you know that we are headed toward real-time updates on my debt free journey. I present to you the first update. Previously I mentioned that I could have been debt free prior to COVID. Since the pandemic began I have made changes to... Continue Reading →

Debt Free Journey: Major Accomplishments

As I started writing I realized that this post's title might be a little misleading. Even though there have been major accomplishments along the way, it was the little victories which built the foundation of hope that becoming debt free is possible. So maybe the appropriate title would be "Debt Free Journey: Little Victories". Once... Continue Reading →

Debt Free Journey: Lessons Learned

According to Merriam-Webster, the definition of debt is "a state of being under obligation to pay or repay someone or something in return for something received : a state of owing". From Skittles to flour, from dollars to time, we have all experienced a form of indebtedness. One time I owed a buddy $10 and forgot about... Continue Reading →

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