We Did It!

After almost 2 years of strict budgeting and careful planning Kyle and I are 100% debt free. Now this of course does not include our house but that is an investment and not a debt. 

We no longer have loans or credit card debt!

I've had a few people ask me how we did it, here are some tips that worked for us.

*Set up an automatic payment(s) of a specific amount that goes towards debt every month. No matter how big or small it makes a difference.

*Start couponing!!! All of the money I saved from using coupons was put towards debt. If I saved $10 it went towards debt.

*We had a certain dollar amount that we did not want to get under in our checking account (it was equivalent to zero), anything over that amount at the end of a pay period was put towards debt.

*Reduce any bills that you can; reduce your tv plan, reduce your cell phone plan, get rid of unnessecary expenditures.

*Cooking at home is the best way to save money, that goes for making lunches as well. If you do go out to eat, budget for it.

*Any extra money you get throw it towards debt. You may want to spend it randomly but think about how you will feel once the debt is paid off.

*If you can't pay cash for something then wait. Wait until you have the money in hand to buy what you want.

*When grocery shopping only buy what you really need. Meal planning helped me stop buying junk that we didn't need in return we saved money.

Now not all of these will work for everyone, it's just what worked for us.

Enjoy your day!