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Thanksgiving 2019: Debt Update and Planning for 2020

November 27, 2019 | Leave a Comment

Thanksgiving 2019 update

It is that time of year again, where many people are making resolutions and ours, yet again, is to pay off our debt in 2020. We have had some success this year, and even this month, but we are making aggressive plans for next year to help us become debt-free and plan our future. Here’s the latest progress we’ve seen and what we’ve decided for next year so far.

Reviewing the Numbers

These were our debt numbers last month…

  • My Car Amount Owed: $21,302
  • Credit Card Total For Both: $502 (interest is a KILLER, folks)
  • Student Loans: $24,184
  • Matco/Snap-On: $7,449
  • Amount in Collections: $679

We’ve made some progress! Here are the numbers this week…

  • My Car Amount Owed: $20,550
  • Credit Card Total For Both: $490
  • Student Loans: $24,362 (the interest is from having the loan deferred until after the new year)
  • Matco/Snap-On: $7,129
  • Amount in Collections: $679

While it isn’t much, it is another $900+ paid off this month, and we are making big plans for 2020.

Plans for 2020

My husband and I have decided to bite the bullet and buy the Financial Peace University from Dave Ramsey. It is going to be our Christmas gift to one another (plus something else small for each of us). We’ve been listening The Dave Ramsey Show pretty often and believe purchasing the program and following the steps closely will really help us reach our goal of being debt-free.

By following the program, it is quite possible that we will be debt-free in 2020 (or soon after). The idea of having all of our debts paid off and potentially be able to buy a home afterward is the dream for us. We both know it will be a lot of hard work, but it will be so worth it. And I can’t wait to keep you all updated on our progress next year!

Read More

  • November 2019 Update: Hustling to Pay Down Debt
  • October 2019 Update: Searching For Relief
  • August 2019 Debt Update: Stalled
  • Debt Update: June 2019

Filed Under: Debt Freedom Progress

3 Free Printable Debt Free Charts to Help You Reach Financial Freedom

November 26, 2019 | Leave a Comment

debt free charts

We are looking forward to establishing some awesome New Year’s resolutions for our finances at the end of this year. I’ll be updating you all with that in no time, but it got me thinking about the tools people can use to help them reach their financial goals. Doing some looking around, I found some amazing debt free charts and other ways to stay motivated while tracking your progress.

Debt Snowball Chart

A debt snowball chart helps you manage your debt payoff method. Snowballing your debt means you take any additional money you have and put it towards paying off one of your accounts. You do this in order from smallest to largest amount owed. As you can see below, to organize this debt payoff method, you list the debts in order, along with the minimum payment due and your debt snowball payment.

debt free charts

Using this method of tracking can help you see how quickly you are making progress on your debt freedom journey and keep you motivated. Download an editable worksheet here or print a PDF version.

Color-In Debt Free Charts

If you think tracking the numbers might get boring for you, consider using a color-in debt free chart. You can print these online in various places and use them in various ways. These color-in charts can help you track your overall debt and how close you are to being debt-free. They can also help you track a specific debt, like a car loan or credit card. See the example below.

debt free charts

You can download various debt free charts online or print a PDF of the one above here.

Savings Charts

While it isn’t a debt-free chart, per se, having a place to track your savings can be helpful too. There are a number of savings challenges on the internet that provide charts for helping you track your savings. Saving Advice is a hub of said challenges, including the 365-day money challenge, the 52-week savings challenge, and the 12-week savings challenge. Each of these can be tracked through a chart, like the debt snowball chart above, or you can use the color-in method to track your savings goals.

How to Create Your Own Debt Free Charts

Creating your own personalized debt freedom chart is fairly easy too. If none of the charts above suit your needs, simply follow these steps.

  1. Decide what your long-term goals are for your finances. Before you create a debt-free chart or any other finance tracker you’ll need to decide what you are tracking. Is it savings goals? Debt freedom goals? Investing goals?
  2. Determine how you want to break down the process. Then, once you know what you’d like to track, figure out how you are going to break it down. If you are tracking a debt-free goal, it may be best to track it by every $200 paid off (or whatever increment you decide).
  3. Figure out how you can stay motivated. If you know seeing the numbers will keep you motivated, consider something like the debt snowball chart above to track. Others may be more motivated by seeing a coloring sheet filled in. Whatever motivates you is what you should use.
  4. Start tracking. Once you decide on what will work best for you, start right away. You’ll put yourself that much closer to your financial goals by just biting the bullet and getting started.

No matter where you are in your journey, finding ways to stay motivated and track your progress is important. Consider printing out one or more of the debt-free charts above.

Readers, how do you track your progress? Share your ideas in the comments below!

Read More

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  • When is Debt Settlement a Good Idea?
  • Should You Invest To Pay Off Debt?
  • A Checklist for a Strong Financial Plan

Filed Under: Budgeting, Debt Freedom Progress, Get Out of Debt, Goal Setting Tagged With: charts to get out of debt, Debt Free Charts, debt free organization, printable charts, printable debt free charts

November 2019 Update: Hustling to Pay Down Debt

November 14, 2019 | Leave a Comment

November 2019 update

I chatted a few weeks ago about needing to refocus on our financial goals. Sometimes the road to debt freedom isn’t straight. We have gotten off track and faced some setbacks with unexpected expenses, but we still make a little bit of progress every month.

However, we are both a bit tired of how slowly it has been progressing. Because of this, we’ve been looking for additional ways to make money to snowball our debt.

The Debt Snowball

If you’ve been following the blog for a while, you know all about the snowball method. Essentially, this method of paying off debt has you set aside an emergency fund. Once that is done, every extra penny you have goes to paying off your debts.

This involves having a set budget. Once you look at your budget and see how much excess money you have, you can see how much you can put towards your debts. It is important for people who are snowballing their debts to also budget for some entertainment. Not doing so typically leads to overspending or abandoning your budget altogether.

The debt snowball method oftentimes includes searching for additional work to throw at paying off accounts as well. For instance, if you can make a few extra bucks selling things in your attic or walking the neighborhood dogs, you’d use that cash to pay off debt. We’ve been looking for more ways to increase our income so that we can do this.

How We Are Hustling to Pay Off Debt

First, we have both been looking for ways to trim the costs of day-to-day life. This includes my husband coming home for lunch every day. This saves us between $25 and $50 per week, all of which goes toward paying off debts.

My husband has also been picking up small jobs to earn a little extra money on the side. For instance, someone in our building needed a battery put into their car. He went down on a Sunday. It took all of 10 minutes and he earned an extra $50 to go toward paying off his tool accounts.

I’ve also been picking up a little extra work here and there. Every once and a while a freelance article pops up and I take it. This usually only makes me between $25 and $100 per article, but every bit counts. I’ve also picked up a modeling side gig that pays $175 per photo. This is less consistent and doesn’t happen as often as freelance work, but it is still a great way to earn a little extra to put towards my student loans and other debts.

As the weather gets colder, we will also be cleaning out our closets. We will be trying to sell these items on Facebook Marketplace for extra cash to snowball our debts. All in all, each of these things seems very small but they are helping us tick down our overall debt tremendously.

Readers, have you picked up a side job or hustle to snowball your debt? What have you done? 

Read More

  • When is Debt Settlement a Good Idea?
  • October 2019 Update: Searching For Relief
  • August 2019 Debt Update: Stalled
  • Debt Update: June 2019

Filed Under: Debt Freedom Progress

Good News! The IRS Has Increased Retirement Contribution Limits for 2020

November 12, 2019 | Leave a Comment

retirement contribution limits

Most people on debt-free journeys aren’t thinking about retirement very often. If you follow the Dave Ramsey mindset, you don’t even begin really contributing to your retirement accounts until you’ve paid everything off. However, this week, the IRS announced some good news. The agency is increasing retirement contribution limits in 2020.

What This Means

If you are currently contributing any money to a 401(k), 403(b), or 457 plan, the amount you can contribute will increase starting January 1, 2020. It has increased from $19,000 to $19,500. Additionally, catch-up contributions will also increase from $6,000 to $6,500.

You can read a full summary of the changes being made next year here. If you’d like to take a closer look at all of the changes being made in 2020, you can read the officials changes on the IRS websites.

How This Can Help You

Retirement accounts are typically not taxed. By contributing the most you possibly can, it decreases the amount of your taxable income, which can help you save money as well as better prepare for your financial future. All in all, it is a great way to begin building your wealth.

It is important to keep in mind, however, that if you are currently still struggling paying off debts, it may be a good idea to hold off on retirement contributions. Instead, use the extra money to snowball your debt. After all, once you are debt-free, you will be able to throw as much money as you want towards your retirement goals.

Read More

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  • Should You Invest To Pay Off Debt?
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Filed Under: Debt Freedom Progress, Goal Setting Tagged With: 401k, financial planning, IRA, IRS, retirement, retirement contribution limits, retirement planning

Realizing We Need to Refocus on Different Things

October 18, 2019 | Leave a Comment

refocus

First, this week has been absolutely insane. Both my husband and I have been fairly busy with work. On top of that, we’ve been trying to get our diet and exercise routines back on track. (You know, meal prep and “adulting” stuff.) However, something that happened made us realize we needed to refocus and reconsider some of our financial goals.

Why We Need to Refocus

Of course, being financially free and debt-free is still our main goal, but this week it has become apparent that we also need to focus on making money available to pay for healthcare.

On Wednesday, I returned back to our condo after walking the dog, like I do every day. I had the same lunch I normally have (two hours before the walk). Upon returning I started itching my head like crazy then, when I peered into the mirror, I realized my entire face was covered in welts and hives. Within 10 minutes, my entire body was covered in these welts. As if that wasn’t terrifying enough, I then began having trouble breathing.

refocus

Immediately, I called Drew to come home and take me to urgent care or the ER. The local urgent care had little-to-no wait so we decided to try our chances there. They got me back in less than five minutes because I was having a severe allergic reaction and were able to treat me quickly. After a breathing treatment and a few steroid shots and Benadryl, they let me go. The total came to right about $200. Without insurance, this all came out of our pocket.

This made us start thinking about how we might get coverage or how we can find low-cost medical care. Now, I obviously need an allergy test (which will cost another $200+) and need to enroll with a primary care physician in the area. Not to mention, I still haven’t gotten my wisdom teeth out (yes, really). So, we are looking into free clinics and low-cost ways to get some of these things done while we also research insurance options (talk about stressful).

Pros: No Additional Debt

There is one “plus” to the latest update and that’s that we haven’t accrued any more debt as a result of anything that’s happened recently. We had the cash to pay out-of-pocket at urgent care this week. Every other emergency that has come up has been paid for in cash as well.

We’ve also been able to manage to continue to make our minimum payments on everything (sometimes a bit more). Doing this has been able to keep us (basically) on track paying off our debts, but it definitely isn’t where we’d like to be. With the idea of an additional expense like insurance or medical costs looming, both of us are feeling a bit defeated. But, we shall persist and move forward.

Readers, have you looked for low-cost medical care? Did you have success?

Read More

  • October 2019 Update: Searching For Relief
  • When Can You Be Taken To Court Over Debt?
  • Planning for Unexpected Expenses
  • August 2019 Debt Update: Stalled

Filed Under: Debt Freedom Progress, Family

October 2019 Update: Searching For Relief

October 3, 2019 | 1 Comment

Relief

If you’ve been keeping up with us recently, you know we’ve had some unexpected expenses, including my being in an upcoming wedding this weekend. We haven’t made any huge progress where our debt freedom is concerned, but we are looking into things that may help us in the near future.

Our Update For October

The last detailed update we provided on the blog was in August and we were completely stalled. We have made some progress since then, but not a ton. In August, the numbers were as follows…

  • My Car Amount Owed: $21,333
  • Drew’s Car Amount Owed: $0
  • Credit Card Total For Both: $483
  • Student Loans (Mine): $24,002
  • Matco/Snap-On: $7,543
  • Amount in Collections: $679

About two months later, we haven’t seen a whole lot of progress. Here are the updated numbers…

  • My Car Amount Owed: $21,302
  • Credit Card Total For Both: $502 (interest is a KILLER, folks)
  • Student Loans: $24,184 (I had this pushed off until the beginning of the year because my husband has been out of work)
  • Matco/Snap-On: $7,449
  • Amount in Collections: $679

If you do the math, you’ll see our overall debt has actually increased to $54,116 from $54,040. Unfortunately, this is due to interest rates and, where my student loan payments are concerned, deferring payments.

Despite us still being stalled in many ways, we’ve both been looking for ways to increase our earnings. As you know, my husband was out of work for a bit. He has gotten more steady work and is beginning to get paid regularly again. I was also lucky enough to score an Instagram influencer gig that will bring in an extra $1,200 later this month. That will all go towards paying off some kind of debt.

IRS Tax Debt

One of the biggest things weighing us down currently is my payment arrangement with the IRS. Because I largely freelance for work, no taxes are withheld and I fell behind in 2017 with saving to pay for those. Additionally, I filed for an extension for 2018, which is due later this month. This will only add to my IRS bill.

That is SUPER stressful. Right now, I am paying about $129 per month to the IRS. It will increase slightly once I file for 2018. I’ve been looking into tax forgiveness programs that may be able to assist us, especially since my husband has been out of work so much within the past couple of years.

Total tax debt forgiveness is a myth, but there are a few options you may want to consider if you’re in a similar situation.

  1. Innocent Spouse – This can give you the ability to claim deniability if your spouse owes a lot of money. It will get you off the hook for the tax bill, but your spouse will still need to pay. This program isn’t for forgiveness but helps ensure the person responsible is the one being billed.
  2. Offer in Compromise (OIC) – An OIC agreement with the IRS can help you decrease the amount you owe significantly. However, not many people qualify for this type of program. Less than 25 percent of those who apply for OIC each year are approved. You also have to provide very detailed information about your finances, which can backfire on you with the IRS.
  3. Currently Not Collectible (CNC) – If you really can’t pay anything back at the moment, you can try to request a CNC. To qualify for this program, you will need to be in a situation that would put you in financial hardship if you made the payments. The IRS will revisit your status after some time though, so you may end up having to pay down the road if you become able. Your tax debt “lives” for 10 years.

I’m not moving forward with any of these options yet. I will be consulting a tax professional, however. My husband and I are hopeful we will be able to get some help from a client of his for next to nothing. He has experience getting people off the hook for their tax bills (or finding more write-offs to make the amount owed much less).

For now, we will continue to have our sites focused on becoming debt-free, including this looming tax debt. Readers, where are you in your debt-free journey? I’d love to hear from you in the comments!

Read More

  • Planning for Unexpected Expenses
  • What is the Best Debt Advice?
  • August 2019 Debt Update: Stalled
  • Debt Update: June 2019

Filed Under: Couples, Debt Freedom Progress

Planning for Unexpected Expenses

September 19, 2019 | Leave a Comment

planning for unexpected expenses

There is no doubt we’ve made strides in the right direction as far as our finances are concerned. However, there is still one area in which we are failing: planning for unexpected expenses.

This week I got the bridesmaid dress for an upcoming wedding in the mail (two weeks out from the wedding) and my worst nightmare occurred. It didn’t fit! It was far too late to return it for the correct size, so I decided to take it to a local alterations place. The total for the changes needed came out to $250.

The price definitely threw me for a loop and, because we aren’t using credit cards, it came directly out of savings. I was frustrated with myself for not planning ahead for alterations costs.

Why is Planning for Unexpected Expenses Important?

Planning for unexpected expenses is key to becoming debt-free. If we weren’t so devoted to not swiping our credit cards, I could have easily racked up another $250 in debt without batting an eye. The same is true for other expenses that may come your way out of the blue.

Failing to prepare for this is can lead to you hindering your debt progress. Not to mention, it can have an impact on your emergency savings and take away from paying off your debts. It can also put a dent in your emergency savings. Then you have to readjust your finances to refocus on padding your savings accounts once again instead of using the money for my debts.

How to Plan for Unexpected Expenses

Thankfully, there are things you can do to plan for the unexpected things in life. Here are a few tips to help you avoid the mistake I’ve made.

First, identify your unexpected expenses. Of course, we can’t always see into the future, but if there’s something that comes up with some regularity, you can try to plan ahead for it. For instance, property taxes, medical expenses, birthdays and holidays, and car repairs can all be planned for.

To identify other unexpected expenses, you can take a look at the past year’s bank and credit card statements. Note any irregular purchases and try to budget for that. You can add up the total of all the expenses and then divide it by 52 weeks. Set aside that amount every week moving forward. This can help you have the money set aside when something unexpected comes up.

Doing this will help you plan ahead and (unlike me) have the cash set aside when something may pop up. Do you have any additional tips you’d add? Leave them in the comments below!

Read More

  • How Much Does It Really Cost to Be in a Wedding?
  • What is the Best Debt Advice?
  • August 2019 Debt Update: Stalled
  • Debt Update: June 2019

Filed Under: Debt Freedom Progress Tagged With: Budgeting, financial planning, planning, Planning for Unexpected Expenses, unexpected expenses

August 2019 Debt Update: Stalled

August 7, 2019 | 1 Comment

debt update

We take a look at our finances pretty regularly, but I have to be honest, we’ve slacked off big time this summer. I am not sure if it is the move, the inconsistency with work, or slipping back into bad spending habits, but we’re definitely not where we’d thought we’d be after a year of paying off debt. Here’s the latest debt update with detailed numbers…

One Year Debt Update

Right now, we are feeling pretty stalled. A lot has happened in the last five months that has hindered our progress a bit.

As you know, last September, I detailed my debt and broke it down. When tallied, it came to $67,999 in total debt for our family. I’m happy to report that almost a year later, we have made some progress. Last year, the numbers looked like this…

  • My Car Amount Owed: $23,051
  • Drew’s Car Amount Owed: $1,092
  • Credit Card Total For Both: $1,748
  • Student Loans (Mine): $23,852
  • Matco/Snap On: $9,534
  • Amount in Collections: $8,722

Here are the updated dollar amounts for August 2019…

  • My Car Amount Owed: $21,333
  • Drew’s Car Amount Owed: $0
  • Credit Card Total For Both: $483
  • Student Loans (Mine): $24,002
  • Matco/Snap On: $7,543
  • Amount in Collections: $679

That brings the total amount we owe down to $54,040. That is nearly $14,000 paid off in a year (not too bad). Compared to this time last year, that is definitely an improvement. Some of our biggest “wins” have been paying off Drew’s car, paying down credit card debt, and taking care of items in collections.

You’ll notice my student loan amount owed has actually gone up a bit. I asked for forbearance on the loans for a few months this year as we transitioned from North Carolina to Georgia. I will be back on track to repaying those in a short amount of time.

The move impacted our ability to attack our debt the way we’ve been wanting to, there’s no doubt about that. With deposits, the costs of moving trucks, and getting used to a new city, we fell behind on our goals a bit.

Getting Back on Track

Both of us are working on budgeting and finding a way to get back on track with our debt freedom goals. First, we’ve had to tap into our emergency fund, which needs to be padded once again. This will be taken care of this month.

Next, we are planning to find a way to cut costs and make more money. As mentioned in previous posts, I’ve been finding ways to make money on the side by selling things and grabbing a freelance gig here and there. Drew has also been looking for additional side work as he feels his way through establishing his own business.

Finally, we HAVE to sit down and work out a budget. We’ve gotten way off track with our current spending and need to refocus. Stay tuned for an update on our new budget later this month!

Readers, where do you stand with your debt freedom progress? I’d love to hear about it in the comments below!

Read More

  • Debt Update: June 2019
  • Our Savings Challenge Update
  • Financial Challenge Update: Can You Rush Into Saving?
  • The Complete Guide to Getting Out of Debt

Filed Under: Debt Freedom Progress Tagged With: debt free, debt progress, debt stories, debt update

Learning to Live on One Salary

July 31, 2019 | Leave a Comment

live on one salary

In my last update, we celebrated having paid off $20,000 or so in debt within one year. However, there have been a lot of changes with our cashflow in the house that has hindered the speed of that continuing. Mostly, we are down to one (main) salary.

My husband is breaking off on his own a bit and has been considering starting his own business. Because of this, cash flow on his end hasn’t been consistent. We’ve lived on one salary multiple times in the past, but every time it is different. Here’s how we’ve learned to live on one salary (and benefits of doing so).

Learning to Live on One Salary

Living on one income isn’t as hard as it sounds. First, you have to come up with a budget that only requires a single budget. For us, it is my income because it is more stable. Your family may want to choose the larger (or smaller) income, depending on your financial goals.

If you are over budget when you tally up your expenses, see where you can cut costs. Do you really need Hulu, Amazon, and Netflix? Or, if you’re looking for a bigger decrease, consider downsizing to a smaller home to better fit your new one-income budget. Others may find it beneficial to move to a more pedestrian-friendly area to cut down to one (or no) car payment or walk more places. If you’re comfortable doing so, you may even consider taking in a roommate or renter.

Consider giving up your indulgent behaviors like going out to eat, junk food, and other items as well. You certainly don’t need to eat out every Friday and spend tons of money on junk foods. This will help cut down the cost of food in your budget as well.

Why You Should Live on One Income

You’re probably thinking, why would anyone willing to live on a single income? It can be difficult and, at times, hinders you from being able to do everything you want to. It can also help you achieve some of your financial goals and feel more secure with your finances as a result.

  1. It makes saving money easier. Simply save your spouse’s income instead of spending it. If you can live on one income, why not bank the rest? You can create a strong emergency fund.
  2. You can use the cash for debt repayment. If you want to focus more on your debt payoff plan, living on one salary can make that more doable as well. Learn to live on one spouse’s income, then use the second to pay off what you owe.
  3. Financial security increases when you have a surplus of cash flow. You have more money than you need, why wouldn’t you feel more secure? You have the ability to invest in your future, pay off debt, and increase savings. It can truly pave the way for financial freedom.

Not to mention, if you live on one salary, you will always be ready if something happens to one of your jobs. You’ll have some savings, and you will be able to continue your current lifestyle until your spouse finds a new job (or starts earning more).

Our Debt Freedom Progress

live on one salary

So, while we are adjusting to living on a single income again, our debt freedom progress has been slow. However, today we paid the final $175 payment to completely pay off a credit card. That will free up an additional $175 for us each month to redirect towards other debts and savings.

In the next few months, we will be paying off other accounts and see our debt freedom progress continue. I will be in a wedding in October, which will be a small cost (around $200 total). We have prepared for that cost though. Both of us are planning to spend the holidays at home as well, to cut down on travel costs.

Readers, have you lived on one income? Tell me about your experience in the comments!

Read More

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  • Can You Talk to Your Spouse’s Collection Agency?
  • I’ve Gotten a Call About Student Loan Forgiveness – Is It Real?
  • The Complete Guide to Getting Out of Debt

Filed Under: Couples, Debt Freedom Progress, Get Out of Debt Tagged With: debt free, paying off debt, savings

Debt Update: June 2019

June 27, 2019 | Leave a Comment

debt update

It has been a little while since I posted a debt update on the site. As mentioned in my blog post “Is Your Outlook Holding You Back?” we’ve been able to pay down a significant amount of debt over the past year or so. Most of this has been done by snowballing our debt (to the best of our ability). Here’s a debt update with detailed numbers…

Debt Update June 2019

The major three things that have happened since our last debt update on the blog are…

  1. We paid off my husband’s car! That is $175 per month that we now have available to help pay off other debts.
  2. My N.C. state taxes (for 2017) have been paid off. This will free up about $463 per month.
  3. At the end of July, I’ll have paid off my higher-interest credit card. We’ve been paying $175 per month since April to get this done. So, the last payment in July will free up another $175.

Altogether, these three things will free up around $800 per month to go towards paying off other debts and saving.

On top of paying those three things off, we have decided NOT to pull out a loan for my wisdom tooth extraction. Instead, we’ve decided to save and pay in cash for it. With the additional $800 or so per month (starting in August), we should have the money to pay for that in the early fall.

Other “wins” when it comes to our debt freedom progress have been paying down the amount on my husband’s tool bills. Each of them has been paid down significantly each month. We should see them disappear in less than a year (nearly $600 per month). Now that a few other items are paid off, we should be able to reallocate the funds to get these paid off faster.

Earning Extra Cash

We’ve both been searching for ways to make additional money as we continue snowballing our debt as well. My husband has been picking up quick mechanic jobs within the community for extra cash (i.e. putting in a battery on the weekend, or jumping someone’s car).

I’ve been looking for things around the house to sell and picking up a freelance project from time-to-time. More recently, I discovered an old coal bed warmer we’ve had collecting dust. Online it says these can go for between $250 and $1,000. I’m hoping to visit an antique store and sell that soon. That extra cash will go directly into paying for my wisdom tooth extraction.

All in all, our debt update for June is looking pretty good. I’m happy about it and can’t wait to see how it progresses in the future. Of course, I’ll keep you all updated here.

Readers, do you have any easy side hustles that have really helped you decrease your debt? Let me know in the comment section below!

Read More

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  • Debt Counseling Pros and Cons
  • Is Your Outlook Holding You Back?
  • Debt Blogs to Follow for Inspiration

Filed Under: Debt Freedom Progress

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