Its Here: Our Personal, Secret 2 by 2 Formula We Used to Pay Off Over $100K of Consumer Debt

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When we started our site a number of years ago we started by sharing specific, daily tips to help you save in your budget.  At the time, we were in the final stages of paying off our $100K of consumer debt and knew we wanted to eventually provide you the tools and resources we used ourselves to help you with your financial goals.  As time continued, we started to slowly share our Deep in Debt to Debt Free story with the intent of eventually sharing the process we used to pay off our debt.  Over the last year, however, many of you have requested we share the process we used.  We have been building up to it and now it is here – or at least the overall approach that we have used, that we are using, and that we plan to use in meeting our every financial goal.

Our passion is to provide you these resources to help your family with something we didn’t have years ago – a plan that we had to come up with as we tried to dig ourselves out of that seemingly infinite hole of debt.  Our passion is to share what worked for us.  Not one that we picked up from a book but rather one that we developed as a family to work within our family.

This is why we are sharing it with you – because we hope and pray that if it worked for us that it might help others as well!  Our desire is to put this in your hands and then continue giving you the resources you need (e.g., how to cut your grocery/household/everything budget and ideas for earning extra income) to accomplish this.  When we were in the heart of our debt we didn’t have anything like this.  And we didn’t even know it could be done.  That’s really why we started our site when it comes down to it, to help others know that it can be done, that there really is a light at the end of the tunnel when you can’t see it, and try to share those tips with you on how to do it.

But why another plan and why so different?

If you’re wondering the reasons for a different plan (there are so many plans out there), we encourage you to check out our previous articles we wrote in preparation for this one:

At the end of the day, and if we had to put it into one sentence, its that open communication, honesty, accountability, and small, incremental changes towards a holistic lifestyle change will actually give you greater results than the all-or-nothing approach.

Here’s the plan – we like to refer to it as our “2 by 2 plan” as the heart of it is that small 2% each month.  This may sound simple, but this is truly what worked for our family.

  1. Track your expenses and earnings over a period of 1-3 months
  2. Create your baseline budget based off of reality (the results you found in #1)
  3. Decrease spending each month by 2% (“found money” goes into savings/debt)
  4. Increase income each month by 2% (“found money” goes into savings/debt)
  5. Each subsequent month will be decrease/increase by 2% over the actuals (or reality) of the prior month

Is that too simplistic?  Well, we hope its pretty simple.  Because honestly, if we gave you an overly complicated flow chart (e.g., this government health care flow chart probably requires a more detailed approach than your household budget) you might be tempted to say, “Thank for the information anyway, but no thanks its not for me,” and move on to another plan.

We really did try to keep it simple because as we developed this in the heart of our debt.  It wasn’t something we were trying to develop to later on share on a website.  This wasn’t something we were planning to one day release to the world and hope that it would help others.  No, there were times we would have never imagined we could use the words “Debt Free” and us in the same sentence.  We would have laughed at you had you asked us if we would refer to ourselves one day as The Thrifty Couple.  This plan is what we developed because our family needed something that would work.  Our family needed something we could simply use.

We’ll try to keep it simple here and then in future weeks expand on more of our rationale and even ways that we came up with this plan to help you understand the plan in full.  But hopefully after reading this post, you will have a good high-level view to help you understand how to get started in meeting your own financial goals!

#1. Track your expenses and earnings over a period of 1-3 months
At first, this step might seem overwhelming, but our encouragement to you is to try and get through this part as any effort you expend here will pay off in the long haul.  Depending on your family, you might already have this data from the last few months.  If not, there’s no reason to worry as you can start tracking your expenses and income now.

A few months ago we were sharing this at a conference and we were asked how to break those expenses down.  First, we want to assure you that this can be done and might depend on how your family has been tracking your expenses.  It might be as easy as signing up for a free online tool to track your expenses for a couple of months and let that service break down your spending into categories.  No matter how you track it, the most basic numbers you need is your total incoming (e.g., earnings, income, tips) and outgoing (e.g., spending, bills, transfer to savings).  Its really these two major numbers that you will use for this plan.

But before we write off the importance of knowing any details where your money is going, we would like to emphasize that the more you know will help you understand how best to approach this plan.  You already know your own personality.  Will it be pulling teeth to get you to estimate the amount you spend each month on groceries?  Then that’s a great place to start.  Will you be sitting down and breaking your grocery category into produce, dairy and other subcategories?  That’s awesome.  Either way, we encourage you to break up your spending into categories with the end result of knowing where to best cut later.

We’ll try to share more over the next few weeks, but places you can easily get some of your spending categorized is by checking your bank (some will divide your transactions into categories for you), your credit card company (e.g., American Express and others will give you a nice pie chart showing your categorized spending) and finally a free service like that will do the same for all your accounts.  What this will do is at least give you a great starting place for your “baseline spending.”

The earnings portion of this should be much easier for you to track depending on your family situation.  Do you receive a paycheck or two per month?  Do you have tips to include?  Do you have other areas that you receive additional income?  Add it all together and this becomes your “baseline income.”

#2. Create your baseline budget based off of reality (the results you found in #1)
Once you have determined the actual spending and earnings based off the last few months, we encourage you to use that as your “baseline budget”.  This is reality for your family and will be the basis for where you cut next month (your spending) and where you try to add next month (your income).  You can use this Budget Spreadsheet download as a template to help give you a place to start.  We know its much easier to use electronically so will try to develop an even easier version to use in the weeks ahead.

#3. Decrease spending each month by 2% (“found money” goes into savings/debt)
Here’s where our plan becomes drastically different than what you might have seen before.  The goal for next month is not to go through and cut your spending by 75%.  Simply, the goal for next month is to make a small change to get one step closer towards your financial goals.  We’ll remind you again that the situation you are in today probably didn’t happen overnight, so why try to change everything in one month?  Trust us, though it seems small, it will add up to larger differences quickly.  And the motivation and encouragement you gain from seeing your family actually accomplish a smaller goal will help you overcome that inertia resulting from never getting started.  Once that snowball starts moving down the hill, it will become harder to stop – so don’t!

But one thing we want to encourage you in is to try making that 2% decrease in spending as something you can see your family making as a lifetime change.  In other words, instead of trying to cut out those expenses that you know you’ll add back into your budget immediately after meeting your financial goal, consider whether you can find healthier, more wholesome alternatives to help you live better for less.  For example, maybe you want to cut back on your grocery budget and want take a few more minutes in your day to invest the time to make it work.  That is definitely something you can see yourself easily implementing, even continuing after you meet this financial goal.  Can you see yourself cutting out a daily coffee out, possibly finding new ways to save on a date with your spouse or new and creative ways to have fun with the whole family?  Just making small changes like these will help you reach your 2% reduction quickly while helping your family not feel like you are cutting out 75% of your budget while sitting home and pouting.  Perhaps after evaluating your spending with your budget tracking, you have realized some reckless spending that will be really easy to cut to get you to that 2% goal that first month.  One our our goals is to provide you with creative tips and solutions you can easily implement to help you save on things you are already doing or giving you cheaper options while still having fun together as a family!

#4. Increase income each month by 2% (“found money” goes into savings/debt)
You might wonder why we inserted this next part to our process.  Well, first its because we found that combining the small savings with the small amount of additional income add up really quickly.  You can see the math below, but if your income was approximately $3,500 and your expenses were about $3,000 and you applied this plan, the very first month you will give an additional $130 more than you would have had without this plan.  And if you look at that math, when you intentionally take that $500 you would have had anyway, that gives you a total of $630 to throw at your debt or savings just for that first month!

But before we get ahead of ourselves, we want to really focus on why you continue to increase your income.  We heard a very wise man at a conference state a seemingly obvious fact just a couple of years ago.  He stated that the true definition of building wealth is making sure that your expenses are less than your income.  That sounds simple, doesn’t it?  We’re not trying to give you a “get rich quick” tip here, but when you can add to your income while dropping your expenses, you’ll see just how quickly that adds up to more left over – meaning more to pay off debt or add to your savings, which really means getting closer to achieving your financial goals and ultimately your overall goals that you have for your family and even future generations.  We’re learning more every day just how much of a tool that money can be – whether its for being able to give more or having more at your disposal to reach the goals you have set out for your family.  Its just a fact that tool is really important no matter how much we want to deny it.

We are continuing to build not only our list of over 100 ways to earn extra income, but also continue expanding each one to share tips to help your family.  We are not assuming that you will just go get another job to earn an hourly rate, but rather find creative ways to work together as a family to accomplish this part of the process.  We will never forget when we started delivering newspapers with our baby girl in the back seat of our car.  We remember delivering phone books and then becoming even more creative in how we used our skills to continue increasing our income.  And that income went towards a good chuck of paying off our $100K of consumer debt.  But what we continue to want you to hear and understand is that first paycheck from delivering newspapers didn’t even come close to cutting into our debt significantly.  But each month, as that amount grew in combination with our cuts in our spending, it did quickly add up over time.

#5. Each subsequent month will be decreased/increased by 2% over the reality of the prior month
Another significant difference you’ll find in our plan is that we understand this is a learning process and the reality that things are not always going to go to plan.  With that, the next step will be to decrease your spending by 2% compared to your actual spending from the prior month.  Each month will be an incremental change over what really happened the month before.  What this does is encourage you to keep going.  When you experience a bad month and couldn’t quite meet your 2% goal the month before, the last thing you need to do is make next month’s goal that much more impossible to meet.  Each month you are attempting to be a bit better than the reality of the month before – the real month before – not the planned or goal month.

Do you see how this can become an encouragement to you and your family?  You are not trying to compound failure upon failure, but instead setting each month up as its own micro-goal.  If you meet your expected goal amounts, then great!  If you don’t, try again next month – but as an achievable goal, not trying to make up lost ground from the month before on top of more.

This doesn’t just apply to your spending, but towards setting your goals for your extra income as well!  We were asked a few months ago about what you do if you don’t earn an extra 2%, but you earn 4-5 times that much.  Well, first of all our response was to rejoice at the blessing of the additional income that month and then to set your goal as 2% more on top of that – that’s a good problem to have. :)  And likewise, if you can’t quite make an additional 2% more on any given month, then find out where you were at and then try to add on top of it next month.

Let’s check out an example:

Let’s follow each step through this process of a family that used this approach.  To help you understand, we’ll just follow each of the points in the process.

  1. Track your expenses and earnings over a period of 1-3 months – This family actually had their data in their bank and credit card statements, making it easy for them to gather this type of data.
  2. Create your baseline budget based off of reality (the results you found in #1) – This family established their total income for their “baseline month” as $3,500 and their total expenses as $3,000.  This is a good place to start as the income does exceed the expenses.
  3. Decrease spending each month by 2% (“found money” goes into savings/debt) – You see that the 2% decrease in spending worked out to be $2,940 – a total of $60 needed to cut out of their budget.  We always encourage looking at your grocery bill (its great to look at the expenses you used to find the totals in #1 as it really gives you great visibility into what you can cut).  And although they tried, the first month was a little tough and their expenses actually increased by $17.  That’s ok – all is not lost!
  4. Increase income each month by 2% (“found money” goes into savings/debt) – The family planned to increase their budget by 2% just by offering to clean houses for their friends and family members.  But what was awesome is instead of a planned $70 additional income necessary, they exceeded their first month of income by $50 for a total of $120 of extra income – great job!
  5. Each subsequent month will be decreased/increased by 2% over the actuals (or reality) of the prior month – Here’s the beauty of this plan.  Although this family didn’t quite meet their expenses, after decreasing spending by 2% of the actuals of the prior month, you note the second month of spending is still less than the baseline.  Or to put it another way, progress is being made but the family is not stressing over it.  And in the end, this family actually had $163 more the first month to place towards their goal (debt in this case) with the planned goal of an extra $294.54 the second month as compared to the base month.

We hope you can see the value of working through this plan.  We can only state that it was the instrumental plan that we used in paying off over $100K in consumer debt and that we use it even today in working towards our financial goals.  Obviously as time goes on there will be a limit to how much you can cut from your spending as there will be a budget-decreasing ceiling, meaning you can’t forever cut 2% out of your budget – you will eventually hit your rock-bottom budget and you will know as a family when you hit that. On the other hand, there doesn’t necessarily need to be a 2% income-increasing ceiling as there can always be more ideas on how to generate that income – just be creative with your family.

Our encouragement is to work through this together and establishing long-term spending habits that you can maintain.   We encourage you to even look towards long-term income strategies that you might be able to turn into a more permanent form of income.  But we especially hope you see that the upfront, incremental, small change can turn into some significant change later.

We will continue to work through giving you more tips in the weeks and months to come but want to hear from you.  This is really the first time we’ve mentioned this on our site and we would love to get your feedback.  Do you have questions on any information you would like us to expand on?  What other information can we help provide to make it even more useful for your family?  We hope you hear our passion behind this and know that one reason we love it so much is because we know what it did for our family.  We only hope and pray that it can be of use to yours.

Photo Credit: for the health care spending plan flow chart


  1. Carl P. says

    This is awesome! Who would have thought that it can be so concrete and yet so simple. We have been struggling for some time to find the balance and have tried many different programs and one thing I keep asking is “How exactly can we achieve this? Give me some concrete ideas!” I have received answers like cutting $100 here and $50 there, and other answers, but it is frustrating because if I can’t find the money, I can’t find it.

    I needed something that is achievable for my family and the idea of a 2% decrease each month seems like it can be adapted for anyone and any situation. But I also am really loving increasing income by 2% too – just brilliant! Thanks for sharing and I am really hoping that this is a big game changer for my family. I look forward to seeing more information and ideas to come.

  2. Sadie says

    This all sounds good and like it could really work for many families, but my question is how do you do something like this when you’re not on a fixed income? My husband earns commissions so it can be really hard to gauge the income we will be getting each month, not to mention setting that baseline income. How would you address our situation?

    • says

      That’s a great question Sadie and it is one that we actually plan to address in a future post (it was actually already on our posting plan! :)). So be watching for this post as there will be many, many more articles, ideas and tips to help everyone through this process. As you can see, the post was already getting quite long :)

      But, in the meantime, here’s the short answer. We are actually in this exact situation now and have been for nearly a year when I quit my salaried corporate position to come home and work on multiple family home businesses where our income does change quite a bit each month. But as we mentioned in the article, we still follow this plan to help us get to our next goal because it works. To make it work with varied income, you will take an average of at least 3 months income (or even longer if the income is greatly varied) and base your totals off of this average and your 2% increase off of this as well!

      So for example, if you average 3K per month income (just to make it simple), plan to increase your income by $60 and then add 2% each month. With varied income, you can also adjust a few percent as needed when you evaluate it each month!

      In this type of situation as well (which we will be discussing in more detail later), one of your first priorities will also be establishing a good savings for a bad month or a month where a lot of unplanned expenses occur to help you stay on track.

      Thank you for your question Sadie! Keep reading and watching as we have a lot more to come!

  3. Paula says

    I read your article and I understand the concept, which is great! My husband and I are very frugal already but as like everyone else, when you track your income you see that you still waste some. My question is this…we are both on fixed incomes so how can we get the 2% additional income? We are disabled so we can’t get additional jobs. Any suggestions? We have probably $25,000 of debt, and vehicle will be paid off in 22 mos. Thanks for suggestions!

  4. Sarah Pickering says

    Liked the comments & great to read the plan at last. We have a set income and I do things like surveys which I use towards household items consistently. Like that it isn’t doing the rolling extra money onto the smallest debt and going from there to knock out debt as it doesn’t always work and not stressing ourselves out if we have unforseen expenses that month as well and trying to make up for it. Great way of explaining !!

  5. Lewann Rice says

    Thanks for this plan! I have been paying off our debt for a while and it is really hard on a fixed income that is very small. I do as much as possible to bring in more income but sometimes it isn’t possible. I have heard of but I always thought you had to pay for it so I never tried it! Boy do I wish I had checked it out before! I already signed up and set it all up and I love how it shows you so much about how you spend! I can’t wait for the next post! Thanks so much!

  6. says

    Thanks for your marvelous posting! I truly enjoyed reading it, you will be a great author.
    I will remember to bookmark your blog and will often come back from now on.
    I want to encourage you to definitely continue your great posts,
    have a nice weekend!

  7. says

    I have been trying to figure out how we can start paying down our bills and saving money, but nothing I’ve tried has either worked or I just couldn’t stick to the plan. This plan seems like something I can stick to and make it work! Thank you for sharing your tips!

  8. Barbaraanne Breithaupt says

    The other thing you need to do is get rid of credit cards & only use cash or a debit card. I have no debt. The one way I have accomplished that is by not using credit cards. You can buy a $7 pair of roller skates on sale & wind up paying $700 for them due to other items on the card and the APR. So, the wise thing is not to use a credit card at all. Use cash or a debit card.

    This plan sounds great & even though I am not in debt, I am going to use it. Thank you.

  9. Amanda says

    Thanks for the suggestions. I am wanting to sign up for, but am a little nervous because it asks for your bank password and account information. Can you tell me how secure it is? I looked at its security terms and such, but that doesn’t always make me feel better. Can anyone that has used it let me know that it is secure and safe to use?

  10. Karen T. says

    In one of your Baby Steps articles, you offered a Debt Payoff Plan worksheet that was printable. I printed it, but I have forgotten which # of baby steps it was. I need that so I can follow your directions for using this worksheet. Can you help me? I love receiving your newsletter in my email. You have great tips for everyone.
    Thank you,

  11. Diane says

    I’m 73 and enjoying your web-site. I was about 19 when I started essentially the same plan you’ve devised for yourselves. Had I had the I-net and a web-site ‘back then’, I could have been able to help as many people as you are now.

    I did help my own friends – we even got together weekly, to go through mutual ideas. So the ‘old fashioned’ way of ‘sharing’ worked for all of us and all of us still keep in touch (though we live all over the USA) – all of us STUCK TO THE PLANS and ideas, and ALL OF US are all retired and comfortable as a result of doing the very thing you’re doing NOW!

    While you did the 2×2, we went for 5/2 – increasing our income by 5% and decreasing our expenses by 2%. Amazingly we found we could do EVEN BETTER!

    Then one year we wanted to take 4 or 5 years OFF after having had our own business for 20 years. We sold everything down to bare-bones; we had all our vehicles paid for in cash (never financed one vehicle). We took our motor-home; used it as our ‘living quarters’ – this allowed us to have ‘beachfront property’ when we drove over to the Pacific ocean (about 20 minutes from where we lived at the time) – or up into the mountains for a ‘mountain retreat’ (that was about 1.5 hours one way).

    We stored the items that had real value to increase in value rather than decrease (such as our gold and silver collection; coins – antiques, real gems, etc.). We keep that as ‘back-up of the back-up’.

    Again, when we decided to pick a place that was ‘permanent’, we picked Nevada because of the no state tax; the climate (only need minimal clothing requirements and no 4-season outfits) – a myriad of other reasons, as we’d lived in high-cost areas such as Laguna Beach, CA – Seattle, WA – New York and Cincinnati, Ohio (as a few examples).

    One key thing on mortgages: Burden yourself – MAKE IT NECESSARY that you DOUBLE your payment (at least) and GET USED TO IT AS A FIXED EXPENSE. That is one way you can NOT get back those DOUBLE PAYMENTS even though people often tell you to make higher payments on the credit cards. Yes, credit card percentages are higher, but the tendency to CONTINUE TO CHARGE makes it tempting whereas paying the DOUBLE PAYMENT on the mortgage means you CAN NOT GET THAT MONEY BACK and of course you can’t ADD CHARGES, so if you’re paying 4 to 7% on the mortgage; maybe 12 to 14% on the credit card, to avoid temptation and DOUBLE your changes of success, that 4 to 7% can quickly be reduced and end up giving you the same (or better) results.

    As for the credit cards, we pay them off each month. However, if you can’t, then be sure you NEVER pay ‘just the minimum’ – that’s going to really cost you. Pay as MUCH as you possibly can while you’re charging as least often as you can.

    We also OVERpay on the utilities so when the A/C charges go UP in the summer, we’ve already earned about $400 in ‘credits’ through the winter which means when the bill goes up, the credits go into action and we end up with a ‘steady’ monthly payment in our budget.

    Now we are fortunate to be ‘so old’ (as I said, I’m 73 – hubby is 80) that we have both the military insurance (Tricare) and Medicare, but we STILL keep a medical savings fund for ‘just in case’…..

    Term life insurance – the only way to go – whole-life is a killer; high premiums and very little return when you think about inflation.

    Disability is TRULY LIFE INSURANCE – life insurance is ‘death insurance’. Don’t underestimate what can happen if you FAIL to cover yourself (it helped my dad survive the last 21 years of his life when he kept that coverage active).

    Also think of frugal as BEING IN CONTROL – think of frugal as SMARTER THAN THE JONES’ FAMILY who are trying to keep up with the SMITH family who are trying to outdo the TAYLOR family. It’s not a game – this is REAL, and it’s the only life you get so why become a slave to society or to what appears to be on the outside when you don’t even know if those who are living what appears to be the ‘high life’ are in debt up to their ears and sinking.

    Remember it’s not how much you earn/make, it is how much you SPEND! It’s not how much you SPEND that makes you ‘solvent and in control’, but how much you SAVE. Then take your savings – a certain percentage that is expendable, and that’s your INVESTMENT fund.

    Once property – real estate – saving earnings, and CD earnings were solid ways to ‘build’, but after 2008 I think everyone in this country took a REAL LOOK at it and thought about this ‘illusion’ when many lost so much on their property, etc.

    Also, don’t put the minimum down-payment on your home – put at least 50% (if you can) which is what we did starting in 1968. Likewise, don’t pay CASH – you need to have some credit to keep up a credit rating so if you need to borrow, there is HISTORY!

    Further, learn how to do AS MUCH AS YOU CAN WITHOUT HIRING ANYONE – from our business to where I was once a paralegal and accountant – a secretary, and a sales manager, I was able to hire NO ONE to handle many of those tasks that I’d have had to pay for.

    From fixing the faucet – the toilet; sewing (which I can do) – cutting hair (I started that at 9 years old) to making your own food at home – KNOWLEDGE IS NOT ONLY POWER, BUT IT SAVES YOU MONEY!

    I get such a kick out of SAVING because I was THRIFTY or knowledgeable (or both) and when we DO SPLURGE, it’s from the SAVINGS we set up called ‘Splurge Account’. I do the ‘splurge’ in October of every year – from gifts to setting up travel or some project for the home, and from October through December, we love it all! Then January we go ‘back to the frugal’ with great gusto – with great anticipation, and ready to get very disciplined and able to do the next 9 months (the number of months to bring a baby to full-term) so our ‘baby’ comes in October and the baby’s name is always FUN – or SPLURGE – or TRAVEL – give gifts to those we love and give to our charities and other individuals who are in need.

    Also: IGNORE the calendar’s holidays – they are set up only for the RETAILERS who’ve made money from what was once a time of family and spiritual awareness and celebration. Celebrate WHEN you want to – get your friends and family to join you, and that’s why we’ve had snow-ball fights in July when I froze all the snowballs in February of the previous year in one of the large (USED) freezers I bought for $30.

    It’s easier to decorate for Christmas when the weather is warm so why suffer in the winter – have Christmas in the summer if you choose to do so, or leave up an artificial tree ALL YEAR ROUND (as we do) and the decorations are not just Christmas decorations, but flags for the 4th – eggs for Easter – flowers for Mom’s Day – dried nuts and grasses held together with scraps of pretty ribbon and even twine for Dad’s Day. Flag Day doubles with the 4th. Candles with different numbers on them – they are the birthdays. Hearts for Valentine’s Day work also for sweetest day….. Just start thinking of ALL THE MONEY YOU SHELL OUT FOR THOSE CONSTANT HOLIDAYS – that’s one of the FIRST THINGS TO CHANGE on those ‘extraordinary expense’ items……..

    Again, get family and friends to SHARE with the idea – it becomes painless and perfect rather than rushed and hectic!

    Set your OWN GOALS and do NOT try to copy another person’s ‘dream’ unless it truly is your dream as well.

    Never use the word ‘hope’ – if you rely on ‘hope’, hope will never show up. Use the word ‘DO’ or SAY ‘I AM OR I WILL’ and then see it in your mind – in a few days the IDEA WILL COME FULLY TO YOU without fail.

    Believe – of all those things – BELIEVE (not in a religion but in yourself). If believing in a religion HELPS YOU, then use it but it’s the key word: BELIEVE and if you’re really confident, use KNOW – ‘I KNOW I CAN DO IT AND I WILL DO IT’. Know, will, believe, do, can – all the POSITIVE POWERFUL WORDS that your mind will record and act on!

    So, THANK YOU FOR BEING THE LIGHT FOR SO MANY and I am so grateful the I-net exists for PEOPLE LIKE YOU because now you can REACH SO MANY and HELP SO MANY and clearly, that is your mission!


  1. […] Our Personal, Secret Formula We Used To Pay Off Over 100k Of Consumer Debt Car loans, student debt, and mortgages aside, most debt is accumulated slowly over time. You may be justifying a few pairs of shoes here or there, or it may be something as mundane as purchasing groceries on a weekly basis. Even small charges can really add up, and you may not realize how much you’ve spent until you receive your monthly statement. Not only does this article list some great tips for helping you get out of debt, it’s also a great reminder that there’s always a light ahead. […]

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