Bye Debt

How to Start your Debt Free Journey


  1. Know your ‘Why’
  2. Get pissed
  3. Tally up your debt


  1. Know your ‘Why’

Getting out of debt is one of the most difficult things I have ever had to do. It means sacrificing, isolation, and being looked at like you have three heads. When you’re going through the ‘no spend’ periods or when you’ve spent all of your ‘fun’ money in your budget and you have to live like a hermit for a while, its essential that you know and hold on to why you’re doing it. I think that people get caught up in the ‘how’ of all this – there are so many techniques to get out of debt. There are plans, books, vlogs, and blogs, that all show you how to do it. It’s the why that matters. What’s my why? It’s pretty simple. I don’t want my future children to have to go through the financial strains that I did. Does that mean I had bad parents? No, not at all. I was surrounded by love and support from birth until now; however, I know they did the best they could, and that ‘best’ did not include financial responsibility or education. That will not be me. I’ve learned from their pitfalls. Besides my future children, I want this for me. This journey has given me the confidence that I have sought my entire life. I control the money. I control my future. That’s both comforting and terrifying – but I wouldn’t have it any other way.

  1. Get Pissed

You aren’t going to get out of debt until you hate it. You have to want to make it get out of your life as soon as humanly possible and never come back again. You have to think long and hard about your mistakes and own up to them. Strong emotion makes people do crazy things, and this is one of those instances where you need to unleash all of the pent-up frustration, despair, hopelessness, and anger onto your situation. I remember this breakthrough moment of mine very clearly. It was almost a year ago, and I was sitting at my dining room table. I had just gotten married – a wedding where we charged everything to a card in addition to a personal loan. I had graduated college, with thousands in student loan debt. I had no job, no food in my pantry, and I had to buy medication. That’s when I snapped. I couldn’t believe that I had worked my ass off for five years to get to this. Absolutely nothing to show for it financially. It’s at that exact moment that I decided I had had enough and I was going to do everything in my power to never have to face this situation again. I used that hate and now we are halfway done with getting out of our debt.

  1. Tally It Up

The first ‘real’ step to embarking on a Debt Free Journey, is knowing where you stand when you begin. After my ‘Are you kidding me!?’ moment at my dining room table, I spent about 2 hours figuring out exactly how much we owed. Here’s what it looked like:


1000 – UNC Student loan

1082 – iPhones

1788 – My Credit Card

3525 – Wedding loan

8313 – James Credit Card

17045 – Federal Student Loan

18045 – James Car Loan


Write down EVERYTHING – from the iPhones that you lease to your student loans. All of the bills that aren’t living expenses. This means: store credit cards, bank credit cards, student loans, car loans, any personal loans, anything that you have borrowed. Tally that up and that’s where you begin. After you tally: Read Total Money Makeover and put those steps into practice.


This is how we have paid off 5 debts and $22,000+ in 12 months!

4 thoughts on “How to Start your Debt Free Journey

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