Congrats!!! How’d you manage that?
I got a yearly bonus and a referral bonus at work, which gave me about $3,000 to start. I used that to knock out one credit card and a couple of smaller debts. Then I set a strict budget—maybe $300 for fun stuff—and put the rest towards my debts. I shifted my mindset from spending to being focused on paying off bills. I still treat myself sometimes, but it’s not like before!
This is so motivating! I’m about to pay off one of my cards soon, and I’ll be using your strategy for the next 6 months 
You’ve got this! So happy for you! 
How much were you paying each month? I’m in a similar situation and wondering how much it took to pay off so quickly.
I was putting in at least $1500 every month, sometimes more depending on what was left after bills. Some months were easier than others!
Thanks for the info! That’s super helpful.
Reading this gives me peace of mind.
I need some advice. I’m 30k in debt, used to make 20k a month, but now with the economy, I’m earning half that. I’m in sales, any tips would help.
Congrats! Most people are going to have to do the same. Loan forgiveness might not happen.
Well done on paying off your debts! Now that the monthly debt payments are done, putting that money toward building an emergency fund is a smart move. But how much should you save?
You need to figure out your monthly expenses. Track everything for a while so you know exactly where your money is going. It takes some discipline, but it’s worth it. You’ll start to see patterns and can make decisions on whether it’s worth spending or not.
A good way to start is by balancing your bank account. Keep track of deposits like paychecks and withdrawals like bills or credit card payments. Over time, you’ll get a clearer picture of what’s coming in and going out, and you can better plan for upcoming expenses.
If you notice your credit card bills are taking up a big chunk of your income, look into what’s driving those costs. Eating out a lot? Too much shopping? This awareness can help cut unnecessary spending.
On the other hand, if your expenses are essentials like groceries, rent, or utilities, you’re already on the right track and just need to manage what’s going out better than what’s coming in.