Conrad graduated medical school in 2014 with massive student loans. All through med school and residency we watched these loans grow because we didn’t have enough income to make payments on them. While in residency we made a plan to attack our loans and become debt free as quickly as possible. THE PLAN: 1. Work as much as tolerable 2. Spend as little as possible 3. Dominate our student loans👊🏼
We have been incredibly motivated by @daveramsey and made this video (link in profile) as our debt free scream☺️ Music by the talented @dee1music
Blessings on blessings! Hubby has just been offered a senior advanced position and I'm so happy and proud of him! .
Feeling super grateful 🌟.. I did sit here and think "should I share this? Or will it upset people".. But then all of these thoughts flooded my mind of how hard my hubby works for us and what we've had to do for him to get to where he is today. So this is my gratitude post 😊
I know how it can be in the dfc when you're not doing too great and you see everyone elses wins. It can be discouraging sometimes - totally been there. But that's on you. It will only discourage you, if you let it. Or it can inspire and motivate you, if you let it.
I love hearing of everyone's wins! Especially when we know you've had to climb mountains to get there. Here's to the dfc and all the awesome support 🤗🥂🤗🥂
2 days ago
Every time. 😒 Has this happened to you?? ⬇️⬇️⬇️
2 days ago
This is so true, let me know your thoughts in the comments below 👇
Please also follow the @themoney.tip 🙏
6 hours ago
I heard this quote from the book I'm reading called '7 money rules' and it really hit home. How many years have I spent living it up for the first part of the month and then desperately wishing for payday the second half. I have to admit, it's got much better these days but it's took some time to get there. If you find yourself struggling, there's so many different hacks maybe;
1. Dividing your spending money by weeks
2. Delaying purchases till the end of the month
3. Finding cheaper alternatives
And so much more. But keep going as things can always change.
11 hours ago
🚘 Car talk 🗣
Nothing fancy, but here’s the story on our cars . . . +++
Car 1: We actually added this car loan to our total #debt when we were on our #debtfreejourney in 2015 😬! Murph was granted a car allowance from his company at the time, so we used the cash to make the payment. Looking back we wished we would have saved the cash for a car, but another lesson learned in the process. The day came when Murph moved on from that company and we had to get take over the payments. We were in a bit of denial that this car was a “company” car and never wanted to take responsibility that our name was on the title. Well, we finally decided to pay off the 2013 Toyota Camry and made our last payment in February 2017. Today the car is still running strong with 166,000 miles. +++
Car 2: The 2007 Nissan Altima Hybrid was purchased before the Toyota in 2014. We used a car to trade in, but still got stuck with a car note of $18,000. This car has roughly 156,000 miles on it and by God’s grace hasn’t had any major issues along the way. Our last payment on this car was in January 2016.
Moving forward, we have a car savings fund (maintenance/new car) and plan to pay for our used cars with cash upfront. +++
How about you? What is your plan to pay off your car(s)?
4 days ago
Where was this reminder when I needed it today 😂... Hope this comes in handy guys. We have been eating out a bit lately, so time to work on that. Currently writing out our meals for the fortnight!
1 minute ago
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It’s been a while since I’ve posted anything. I’m still following baby step 2 and paying down debt.
However, to be honest I am struggling with feeling overwhelmed and discouraged while on this journey to become debt free.
I keep thinking about all the stupid decisions/mistakes that I’ve made financially. 🤦🏾♀️ #StupidTax
I also keep thinking about how far ahead I would be (financially) if I knew about #DaveRamsey, #FIRE and #TheDebtFreeCommunity when I was younger. #HindSightIs2020
I am also thinking about how far I have to go to reach financial freedom and how long it’s going to take me.
I debated whether or not to post this, but in the interest of transparency I decided to share how I have been feeling lately. I don’t want this to be an account where I only share my highs/successes but not my lows.
Does anyone else struggle with these issues?
How do you stay motivated and deal with feeling overwhelmed and discouraged while on this journey?
🥳 WE’RE DEBT FREE 🥳
We’ve paid off $57,000 in 29 months making approximately $55,000 a year!
When we were married 10 years ago we had $100,000 worth of debt. More than $80,000 of that was student loans 👩🏻🎓 In January 2017 we realized how much debt we still had and finally made the necessary changes to tackle this remaining debt at a much faster rate.
This past 29 months have come at great sacrifice. We moved in with family, we got on a tight budget, we said “no” countless times, and we worked ourselves to the point of exhaustion!!! We’ve been so blessed with support along this journey. Sometimes that meant some extra cash being given to us, donations for our numerous garage sales, and the support and encouragement of the debt free community on Instagram!
Ultimately we praise God for his many blessings in our life and for allowing us to complete this monumental task!
On to BS3!