Krystel has paid off huge amounts of debt and is still able to have a social life

Original Show Notes: Credit card debt

 

Krystel from All She Saves is a young professional living in Minnesota who is doing huge things! Like paying back $77,000 in student loans. She documents her journey to paying off her debt, living life and working full time.

Welcome!

[2:14] So did Minnesota shut down the same way DC did during the spring snow storm?
·       Did not get any snow
[3:37] You lived in student loan payback doom for years as well. What made you change your thinking and decide to pay back your loan so quickly?
·       So many people are in it but don’t talk about it
·       Had over $15,000 of credit card debt
·       Tom, her boyfriend got suspicious of her spending habits
[10:15] So you’re paying back an original $77,000- and have gotten down to about $40,000 wow! You paid off $12,000 last year! That’s huge! What sacrifices did you make to accomplish this?
·       Looked at budget and cut anything that wasn’t needed
·       Stopped drinking coffee, eating out
[15:1] In your February report, you overspent but you don’t feel guilty about it. Tell us a bit about how you still splurge while paying back this debt.
·       Built in splurge category
[19:53] Lots of PF bloggers are all about the side hustle. What side hustles are you doing?
·       Rover- dog sitting app
·       All She Saves has become side hustle
[21:45] With the inspiration of your blog, you now have a “Get Out Of Debt” community at your job. How cool! What kinds of things do you guys do? How often do you meet?
·       Got a work message asking if it was her blog
·       Group of 3 who meets once a week
·       Texts each other goals
·       Shares book recommendation

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[24:39] Value Link Round: If you need a writer- call Katie! She can do it for you!

Value Link Round (VLR)

[25:1] Why do you think people fail at achieving their dreams?
·       Set goals that are too big
[28:22] What other books/ podcasts do you recommend?
·       Podcast: ChooseFI
·       Books: You need a budget, the year of less
[28:48] What is your favorite quote?
·       Tell me what it is that you plan to do with your one wild and precious life
[31:16] Do you have any last advice?
·       You don’t have to live with debt
·       Paying it back is do-able
[30:45] Do you have any other books or podcasts you can recommend?
·      Podcast: ChooseFI, Do you even blog
·      Books: Dave Ramsey- the total money makeover, simple path to wealth

[31:37] Do you have a favorite quote?
·      Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are.

[32:24] Any other last advice?
·      If you’re struggling or in debt- don’t give up