My Toolbox: How I paid off my credit card debt in 6 months.

Debt Repayment Toolbox: Balance Transfer

How exactly was I able to pay off $5,000 in credit card debt in 6 months? I’ve already discussed how I set my priorities and made dramatic cuts in my spending, as well as my anti-budget hacks to make and meet goals. My last trick? I used a balance transfer card to stop paying interest on my debt. Zero Interest. None. Not shelling out hundreds of dollars a month in interest certainly makes your money…

Payday "Lump Sum" Challenge

The anti-budget.

How does change happen? Let’s recap how it DOESN’T happen. It doesn’t happen by trying the same highly acclaimed but unsuccessful systems over and over and over again. Every time I have remained mired in the mud of my bad habits, it looked like this: I sit around with a friend and write out all sorts of goals. I make plans and lists and charts and secretly consider buying myself little star stickers to stay…

Mint Trends Feature: 2017-2018 Restaurant Spending

The cash flow turn around.

You heard where I started. This is where I went next… Between September 2016 and March 2017 I paid off over $5,000 in credit card debt. By September of 2017 I had saved $5,000 in an emergency fund. The change in my cash flow was even more dramatic than that if you consider that prior to September 2016 I was still adding to my credit cards, spending into the red most months. If this level…