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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 Niagra 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 famliy 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!


CVS Deal: 😄 99¢ Colgate Toothbrushes! (6/2-6/8)

Who needs a fancy toothbrush that costs a bunch of money and needs to replaced in 3 months anyhow?!! Get ready for this sale starting Sunday, 6/2 at CVS! You can grab (2) toothbrushes for ONLY 99¢ each! These are normally $5+ at CVS so you are really getting a steal! ...

Publix Deal: $2.50 Perdue Ground Chicken Pound! (Ends 6/11 Or 6/12)

Fire up the grill because it's gonna be an easy dinner night! Perdue Ground Chicken is on sale right now at Publix! I love being able to put some chicken burgers on the grill and dinner is done! Ground chicken is so versatile and you can use it in so many dishes!...

Publix Deal: 55¢ Taco Bell Sauce Or $1.05 Dinner Kit! (6/8-6/21)

My family loves Taco Bell but I can't justify the cost when I can make tacos at home for so much cheaper and healthier too! If your family loves Taco Bell, then don't miss this deal starting Saturday, 6/8 at Publix! You can pick up Taco Bell Sauce for ONLY 55¢ each or...

Publix Deal: $2 Perdue Short Cuts! (Ends 6/11 Or 6/12)

We love chicken in the Kiefer household! These Perdue Short Cuts make for a very quick meal and that makes this momma happy! If your family loves them too or you just appreciate a great deal on meat, you are SO going to love me for this! Don’t miss out on the deal to...

Publix Deal: $1.75 Diet Coke 8 Pack Bottles! (6/8-6/11 Or 6/12)

If your Diet Coke addiction needs a fix, here's your deal! Get ready to stock up on Diet Coke 8 pk bottles starting Saturday at Publix! They are BOGO now and the new Green Flyer has a $2/2 Diet Coke coupon in it! It makes them just $1.75 a pack! WAHOO! publix Weekly...

Publix Deal: “Clip” For 69¢ Publix Cotton Balls! (Ends 7/11)

Cotton balls have so many uses around the house, we go through them quicker than I care to admit! You can use them to make the fridge smell nice. Dampen a cotton ball with some vanilla extract and place it on a shelf towards the back of the fridge. You can also use...

Publix Deal: $2.49 Huggies Diapers! (6/5-6/11 Or 6/6-6/12)

With everything moms have to try and keep up with, worrying about our diaper supply is the last thing we should need to stress about. Babies and toddlers can go through so many diapers in just a week. Starting Weds./Thurs. at Publix, you can pick up (2) packs of...

Publix Deal: $1.19 Herbal Essences Hair Care! (6/9-6/11 Or 6/12)

I know I love cheap hair care, how about you? Personal care supplies are one of those items that I would rather not worry about, so I'll stock up as much as I can! HURRY to Publix starting Sunday to stock up on Herbal Essences Hair Care for just $1.19 each! Don't miss...

Radio Replay: How To Save $200 With A Simple Phrase

Did you catch my 2-Minute Money Saving Tip this morning on Spirit FM radio station? Each Wednesday I'm honored to share my knowledge about how to get the most for your money in a quick 2 minute savings segment on the Spirit FM 90.5 radio station. During this week's...

Tiny steps you can take today to have more money tomorrow. You\'re gonna love it.  #debtfree #financialgoals #truemoneysaver