Save and share this post ❤️. HOW did I PAY off almost 💰170k in debts in 33 months. ! Well here is how I did it: (Spanish in the comments)
1️⃣- The MOST IMPORTANT THING is to do a LIST of ALL of your DEBTS from the lowest to greatest.
I made 3 identical lists; I put ONE in my closet, ANOTHER in the bathroom, and the LAST ONE in my room. You need to see these EVERYDAY , and get TIRED of living in debt. It’s not cool to live in debt 😏
2️⃣- I made a super STRATEGIC plan and looked at my monthly budget. I saw which areas I needed to financially✂️✂️✂️ CUT THINGS OFF so that I could put that money towards paying off my debt. We literally created a PLAN OF ACTION 📝. 3️⃣- We made SMALL PAYMENTS towards our debts (just a bit 💧to each one), and we made HUGE 🏋🏻♀️payments towards out smallest debts. And little by little, we began paying them off.
4️⃣- My husband began doing several freelance jobs. Find a second job: babysitting👶 tutoring 👩🏻💼hairstyling , selling clothes you don’t use👖🧥. Try to find another income. 💰
5️⃣- We had one day of the week where we would NOT SPEND MONEY. On that day, we would NOT eat out, buy coffee, or shop on Amazon.
6️⃣- We cancelled ALL ACCOUNTS AND MEMBERSHIPS that we were not using.
7️⃣- invested in a great coffee making machine; it’s been 3 years since then and we’re always making coffee at home ( we’ve saved a ton of money)
8️⃣- We literally STOPPED eating out🍤🍱🍜🌮. I love eating at restaurants; eating makes me happy😍. Eating out is expensive here in California, and we were spending too much money on eating at restaurants.
9️⃣- SOMETHING MEGA IMPORTANT is the following: there is going to be that uncle🧑🏼🏭, cousin👷🏻, etc that is DROWNING IN DEBT, and is an absolute MESS when it comes to FINANCES, who will have an opinion regarding your decision in being “debt free🙃”. Do not pay the slightest attention to those comments🙈🙊🙉. Very few people have the CHARACTER and the SELF CONTROL to say “I will be free of debt”. Everyone has that desire, but few are disciplined enough to reach that goal. 💪🏼🦾 1️⃣0️⃣- I took a scissor ✂️✂️✂️ and I sat down and cut all of ll of my credit cards 💳 into pieces.