8 Habits That Make or Break a Debt Free Journey

Moment of honesty: I created this list of habits that make or break a debt free journey pretty easily. Can you guess why?

Because it’s MY list. I’ve messed up on each one of these items at least once. ::cough:: Definitely more than once.

Over the last several years, I’ve developed some stronger habits, which ultimately led to my husband and I getting out of debt when I was 25. However, living a life of debt freedom doesn’t end with a paid off credit card. It’s a lifestyle.

In order for my husband and I to stay strong on our debt free journey (since we’re back in debt with our first mortgage), there are some habits we’ll need to keep practicing. If you’ve been down this road, then you know what I’m talking about.

This post has been written by Laura Harris, our fantastic staff writer.

8 Habits That . . . → Read More: 8 Habits That Make or Break a Debt Free Journey

The Absolute Best Tool For Getting Out of Debt

habits to reach financial freedom

Getting out of debt sucks.


I’m a math nerd, I like depriving myself of stuff, and I really like to live simply…and getting out of debt still sucked.

BUT – it was one of the best things I’ve ever done.

In case you don’t really know my story, here’s the sequence of events:

Graduated from college, had $18,000 of student loan debt Got married (yay!) Together, we paid off the $18,000 and built up an actual net worth Got divorced (booo…), kept the house, and therefore was thrown back into debt because I owed my ex $22,000 of our equity Paid off the $22,000 in 6 months (whew!) Paid off the remaining $54,500 on the home mortgage in just 12 months!

In other words, I’ve been in debt, got out of debt, was thrown back into it, and then came out of it faster and stronger than ever. . . . → Read More: The Absolute Best Tool For Getting Out of Debt

The First Step to Getting Out of Debt

credit card is a bad idea


Have you been thinking about getting out of debt? I mean, you have entertained the idea before and paid a little bit toward your credit card once in a while, but you didn’t really take a dive at your debt seriously. If you were truly serious about getting out of debt, you would have changed your lifestyle and would be much richer today.

I strongly encourage you to take the first step in getting out of debt. I took this step over 4 years ago and have been debt free (outside of my mortgage) since February, 2011. Having money at the end of the month and being able to pay the bills without worry has been amazing. Can you imagine an ever-increasing bank account hardly trying? One morning you’ll wake up and just happen to notice that you have over $2,000 in your checking account. A few months later . . . → Read More: The First Step to Getting Out of Debt

Why Should You Care About Getting Out of Debt?

hate debt


Most of the time I’m writing on this blog to help people get out of debt and to save and invest money for their future. But, for those that stumble onto my site from another random site, perhaps they don’t even care that they have debt. After all, it’s incredibly normal to have debt today. In fact, I have realized over the years that I am the weird one that is actively trying to get rid of all my debt, including my house mortgage (by next year). So yeah, I guess I’m a little crazy, but why do I care about getting out of debt, and why should you? I have 5 pretty solid reasons why you might want to ditch your debt and be a crazy person like me.

Why Get Out of Debt?

1) It’s weighing you down emotionally

For those of you that step back . . . → Read More: Why Should You Care About Getting Out of Debt?