How we became DEBT FREE in 32 months (income, jobs, struggles) (Ep 6)

Рет қаралды 7,160

7 ай бұрын

This is EXACTLY how we paid off $311,000 in 2 years 8 months and became free from all consumer debt. I’ll be sharing practical steps and encouragement along the way! I’m hoping that if you have debt, you can be encouraged to pay it off, feel more equipped, and ultimately be free. 😊 Hope you enjoy! Love, Erica 🥰
📽️SERIES EPISODES: • *How To Pay Off Debt -...
TOOLS:
🔥Download your FREE Debt List Printable HERE buildyourmoxie.com/shop
🔥Get your Debt Payoff Tracker & Planner HERE buildyourmoxie.com/shop
❤️Download your FREE Monthly Budget Printables HERE buildyourmoxie.com/shop
❤️Get my Customizable Budget Spreadsheet HERE buildyourmoxie.com/shop
🤓Join the Wait List for my side business course HERE buildyourmoxie.com/shop
📍How To Budget Video: • The BEST Way To Budget...
📍How To Budget on a Spreadsheet: • How we do our monthly ...
📍Check out my money video playlist here: • *Finances & Building W...
****Once we became debt free, we decided to travel more because we love it! If you like traveling:
📍Here is My Travel Playlist: • *Travel Playlist*
🤗FREE TRAVEL BUDGET & PLANNER! Download here: www.buildyourmoxie.com/
My gift to you for happy travels! This is one of my favorite tools I created for planning and budgeting for my trips, and I wanted to share it with you. Enjoy!
============
Music by Epidemic Sound. Free 30-day trial through this link:
share.epidemicsound.com/ckm9wd
❤️Keep in touch!
★ / buildyourmoxie
🤗Wealth Building Tools: www.buildyourmoxie.com/
- Camera I use: Sony ZV-1 amzn.to/3XLL89p
- Microphone I use: Rode VideoMicro Compact amzn.to/41cGR1v
Some product links are affiliate links which means if you buy something I'll receive a small commission. As a customer, you do not pay more or less for using my link. I will only recommend what I truly believe is amazing. Thank you for your support of my channel! 🥰
~~~~~~~~~~~~~~~~~~
More about Erica:
Erica is a Doctor of Physical Therapy, Spine Specialist Fellow, and Certified Strength and Conditioning Specialist. Erica teaches students at the graduate level and has always had a strong suit for leadership which led her to pursue her MBA. After Erica and her husband, Anthony, paid off over $311,000 in student loan debt in 2 years & 8 months, it inspired Erica to start Build Your Moxie. Erica is also a certified financial coach and has a passion to help others to become free of debt and stress.

Пікірлер: 31

@buildyourmoxie 7 ай бұрын

🎬SERIES EPISODES: kzfaq.info/sun/PLl6OVUWv0m5TnmDlScHEt8GXgaVieuJbK&si=dNGYnuhk4eYBPlTv TOOLS: 🔥Download your FREE Debt List Printable HERE buildyourmoxie.com/shop 🔥Get your Debt Payoff Tracker & Planner HERE buildyourmoxie.com/shop ❤️Download your FREE Monthly Budget Printables HERE buildyourmoxie.com/shop ❤️Get my Customizable Budget Spreadsheet HERE buildyourmoxie.com/shop 🤓Join the Wait List for my side business course HERE buildyourmoxie.com/shop 📍How To Budget Video: kzfaq.info/get/bejne/gtOSZ7CXysnXnHk.html 📍How To Budget on a Spreadsheet: kzfaq.info/get/bejne/bMmErbWEl6ynaJc.html 📍Check out my money video playlist here: kzfaq.info/sun/PLl6OVUWv0m5SbDD6NP0bi-TWs3eMA_26C

@kimberlychin1996 4 ай бұрын

Thanks for being so transparent! That's almost 10k a month! It's amazing! I can't save that much because I don't make that much, but even saving 3k a month is a good start.

@yanet.villanueva 3 ай бұрын

when you guys screamed "we're debt free" I started cheering hahaha.

@buildyourmoxie 3 ай бұрын

🥹omg thank you for being excited with us!! It was one of those things where I wasn’t sure if I was going to be crazy excited or start crying from emotions hahahaha 😁.

@AnimeFreak792 4 ай бұрын

Man, if you guys did it in 2yrs 8months with 311k, we have around 110k together and make around that same base (before side hustles). We need to get this started. We could probably do it in a year or so 🤔 Thanks for the inspo!

@buildyourmoxie 4 ай бұрын

OMG you can do this!!!! 😱😱😱😱you seriously can do this fast and then be free! Your wealth building potential is so good once you don’t have to worry about debt. 🥳😱🤩😍. I am excited for you! Keep me posted!!! Rooting for you!!

@collin669 3 ай бұрын

This was very inspirational to watch. I have a total of about $180000 between government and private student loans. Now i feel i can donthis with a certain income 😊🙏🏾💚.

@buildyourmoxie 3 ай бұрын

You can do this!!!! One step at a time! 🔥 and then freedom! 🥹

@lifeinthemo2372 2 ай бұрын

I love the side hustles ya’ll had. Having kiddos makes it so much harder. I’m trying small side hustles w/my little one but it’s a struggle. Way to go guys!!! Good for you though. Definitely going to check out your channel.

@anthonybarton3850 7 ай бұрын

What an incredible story! And thank you for breaking it down in such detail for us! It's so encouraging to see how people do this and now we have a clear example of how we can do it to. Thank you! 🤗

@buildyourmoxie 7 ай бұрын

Yay! Thank you for watching! 😃

@elizabethkuany2238 19 күн бұрын

Thank you so much Erica! I am excited to start my debt free journey. I am a new subscriber. LOVE YOUR VIDEOS A LOT!💕

@buildyourmoxie 19 күн бұрын

Aw thank you Elizabeth! You are so sweet!! Please reach out to me if you have any questions!! Or if you need a personal cheerleader 🥹 YOU GOT THIS!! 😱🔥😍🫶

@elizabethkuany2238 18 күн бұрын

You're welcome. Yes, you're already my cheerleader by watching your videos.💕

@buildyourmoxie 18 күн бұрын

@@elizabethkuany2238 🥹awwww!

@Omikoshi78 6 ай бұрын

Have fun along the way and don’t cheap out on making good memories with your fam. It’s about the journey, not the destination. Otherwise you guys are doing amazing.

@KK-tr8tf 10 күн бұрын

If you're married, it will only work if your spouse will also commit to the budget! I am a saver but my husband is not. Last straw was when I found out he hid money on the side to give to side of the family for the last 2 years.

@orinmangar2333 5 ай бұрын

Quodos to you both. You were both disciplined. It is great that you fought through curbing your love for spending. However, let me tell you that when God is missing from your life, you will want to fill it with material things or some other addiction. Also with God in your life, he will help you immensely on your endeavors. Place him first, others second, and your selves last. God Bless 🙏.

@alwaysemilia 4 ай бұрын

Hey there! Love the video, and congrats on being debt free! I’m curious if you followed the baby steps exactly or if you continued to invest while you were paying off your loans. I am still getting my 401k match of 5.5% because I want to maximize my returns (my company matches the full 5.5%). I’m always interested to hear what other people choose and why, though. Definitely save up and get that massage chair soon!!! 🎉

@aibao_eipariru_april 3 ай бұрын

Once I get back from our trip to see family I’m going to have to go through your finance videos more thoroughly. Besides our house, we *only* have about 1/8 the amount you all had. I think we could knock it out pretty easily if I stop buying things for the kids 😅 being debt free would give us over 1200 a month to save without noticing a difference. Luckily it’s all fairly low interest.

@tubetop123 7 ай бұрын

Awesome advice. Would you now help your future children by helping them to not need loans?

@buildyourmoxie 7 ай бұрын

Thanks for watching! 🥰 and yes! If we are blessed with kiddos, we are excited to teach them about money and being able to enjoy it, save it, and be generous with it! 😃 and that will include not going into debt if at all possible! ❤️

@pearlivory3483 6 ай бұрын

I used to feel defeated about 4 years ago when I would watch videos of people paying off debt with 6 figure income. I was making $50k and has $125k in debt. Now I make $120k and I have $93k in debt. And that’s mostly because within that time frame I got married and we cash flowed the wedding etc and I quit my day job (they were laying people off) to start a business. Now my husband is pulling out loans for med school so I’m a bit stuck right now lol. Trying to weigh out cash flowing school, paying off debt, building savings since we are in our mid-30s and want to get pregnant… may the Lord lead us.

@thomaschew2191 5 ай бұрын

The hardest thing is making up our minds that we absolutely want to get our finances under control and will do whatever it takes to get there. There is this point where we need to be totally honest with ourselves about our situation and lay it all out. Lay it all out and craft a plan and set up small goals and big goals and get busy. We all make mistakes, but we need to stop where we are and take an honest look at where we are and the direction we are going. If we are not headed in the right direction, we need to do an about face. I describe out time in debt payoff mode as on and off misery, but it wasn't permanent.