So you want to pay off debt, but you have NO clue where to start. You're in the right place! The overwhelm of paying off debt can be enough to stop people before they even start. It's hard to know you've got all this debt out there but not even know where to start with paying it off. I'm here to help take that overwhelm away. :) First I want to reassure you that you're making a great decision! Getting serious about paying off your debt is a huge decision that's going to take a lot of commitment. It's simply easier to spend your money on what's right in front of you that you want than deciding to pay it on your debt instead. But paying off debt has SO many benefits. You'll... Feel less STRESS about your finances Stop having so many money fights with your spouse Free up money to use for better (and more fun!) things Maybe even free up enough money in your budget to allow you to quit your job That last point is the one I get most excited about. I bet if you ... View Post

When you're deep in debt, it can be hard to see your way out. You want to learn how to pay off debt with a low income, but it feels impossible. Stop right there! Paying off debt is possible, no matter where you fall on the income range. It might take you longer to get out of debt on a low income, but you can do it. You just have to have the right mindset, the right plan, and the right tools. So get excited about paying off your debt! A debt free future is full of possibilities and we can get there together. This post may contain affiliate links. Step 1: Decide You're Really Going to Do This You can't just "want" to get out of debt. You have to decide, 100 percent, that you're going to be debt free. This step is especially important for those paying off debt on a low income. It's going to take longer to pay off your debt, and that's OK. That's just how it is right now. You're going to need lots of quick wins and motivation to keep you going, which is why I love the debt ... View Post

  Open your wallet. How many credit cards do you have in there right now? Think about the limits each of those cards have. Is it $500? $1,000? $5,000? Now think about your bank account. Is the balance in your account anywhere near the limits on your credit cards? If you're anything like me, my checking account has nowhere near the amount of all my credit card limits. I'm sure you have the best of intentions with those cards. You signed up to get the bonus reward points, to have a back up in case of emergencies. But how often do you really swipe that card? You know your weakness. Is it the shoe department? The newest makeup palette from your Instagram obsession? The reality is, it's so much easier to swipe (or type) a credit card than it is to use your hard-earned money from your bank account. With a credit card, you can buy now and worry about it later. Even if you have the money sitting in your bank account, it's still easier to use a credit card instead. ... View Post

You've been here before. You were rocking and rolling on paying off debt, when all of a sudden...your old spending habits snuck back in. Maybe you set a budget, only to blow it a week later. You had money in the account, so you could spend it anyway. It was just this one time, right? Except it wasn't. One poor spending decision snowballed into two and then three and so on. Before you knew it, you were hundreds of dollars off budget and nowhere near your goal for paying off debt this month. How did this happen? Does any of this sound familiar? I know I've found myself in this situation more times than I can count. Related post: How to Create Your Own Debt Payoff Plan: 5 Steps to Get Out of Debt Related post: The Very Best Way to Pay Off Debt Related post: How We Paid Off $3,700 of Debt in One Month It's time to get back on your debt payoff track. But how do you pick yourself up when you've fallen so far down? The answer may be simpler than you ... View Post