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How We Paid Off $15,000 Of Credit Card Debt In 3 Years

In 2009 when the economy took a large downturn, my husband, James, received a large pay cut. We had a couple thousand dollars of credit card debt at the time so things were already tight.

But things came to a head when we ran out of money and were faced with a hard choice to make:

Buy Groceries OR Pay Our Mortgage.

I felt like a complete failure.

Correction: WE felt like complete failures.

How could we let our situation get so bad?

Oh, did I forget to mention that I was an accountant before I was a mom, so I should’ve known better?

Yep, I have an accounting degree, plus I was a “Senior Financial Analyst” for an International Healthcare Company for 5 years before I was a stay-at-home mom.

I was in charge of millions of dollars, yet I couldn’t manage my own money once I was a full-time mommy.

Refusing to allow our story to end with bankrupcy or forclosure, here’s what happened:

• I love math (hence my accounting background).
• I learned how to use coupons to pay for our groceries and everyday expenses.
• We then used our own cash to pay off our debt.

It took us 3 years to pay that bad boy off.

$15,000 of credit card debt paid off in 3 years with tiny little $1-$5 increments.

And once we were done, we were FREE to do whatever we wanted.

FREE to spend on things we never imagined before.

In fact, that very Christmas, we decided to surprise our kids and take them to Disney World (we live 1 hour ouside of Orlando FL), and we bought annual passes so that we could go back as many times as we’d like.

We’ve now had those passes for 5 years.

And I want you to be able to afford them too.

Or maybe your dream is to go to Hawaii? Or rent an RV and go see the Grand Canyon or Niagara Falls.

No matter what your dream is, I can help you get there.

It starts by honing in on the spending you are currently doing. The daily spending habits you probably don’t even notice.

Let me help you see those habits in a different light, a light that will magically get you to the other side of the mountain.

The side that leads to fun family vacations at Disney World 🙂

Let me start by showing you how to save $40 in 7 days without selling anything: Click here and I’ll email my Money Saving Solutions Guide to you for free.

It’s time to start saving BIG money! Strap on your seatbelt friend, you’re in for a wild ride!



Yugoslavian Christmas Cookies

Yugoslavian Christmas Cookies

Yugoslavian Christmas Cookies I first tried these cookies years ago when a friend gave them to our family. I loved the crunchy nuts and soft meringue with the berry shortbread crust...Mmmmmm! Plus, the lemon extract adds a little bit of tart that I love so much. I...

Pecan Pie Cookies

Pecan Pie Cookies

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Melted Snowman Cookies

Melted Snowman Cookies

I saw these cookies last Christmas and fell in love instantly! Aren't they about the cutest cookies you've ever seen!  (My daughter says they are kind of sad because they're "melted.") These are on my list to bake this year for sure! Recipe and photo credit to...

Holly Crackles

Holly Crackles

Corn Flakes was my Daddy's favorite cereal. Who knew you could make Christmas cookies with them? These look like a lot of fun to make, and they absolutely scream Christmas! Holly Crackles What you need to make about 35 Cookies: 1/2 cup (1 stick) butter 30 large...

White Chocolate Chip Cranberry Cookies

White Chocolate Chip Cranberry Cookies

I can't wait to try these! White chocolate is a personal weakness of mine. I'm betting combined with the tartness of cranberries I'm in major trouble with these cookies! Cannot resist... White Chocolate Chip Cranberry Cookies What you need to make about 2.5 dozen...

Mexican Hot Chocolate Cookies

Mexican Hot Chocolate Cookies

Today's cookie combines sweet with a little spicy! You can adjust the amount of heat to your taste. These cookies are especially great paired with a hot drink like coffee, spiced apple cider or hot chocolate. Enjoy! Mexican Hot Chocolate Cookies Makes about 3 dozen...

Cran-Pistachio Cookies

Cran-Pistachio Cookies

Red and green cookies for Christmas!  How perfect are these? Pistachio is one of my favorite flavors of ice cream, so I'm betting I'll like these.  Hmmm...how about cookies and ice cream? Cran-Pistachio Cookies What you’ll need for about 48 Cookies: 1 (1 lb 1.5 ounce)...

Apple Pie Cookies

Apple Pie Cookies

  Don't these Apple Pie Cookies look delicious? (Are you salivating yet?) I am making these this weekend! I think we are going to make ours square, though so we have less waste. On second thought...is there really ever any waste when making cookies? Cookie dough =...

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