Sam D. Miller

Marketer and YouTuber based in Atlanta

Staying focused on getting out of debt

I can’t believe it’s been well over a year since my last post. I’ve been horrible at posting new content! And I sincerely plan to change that starting now. So let’s get into the topic today: Staying focused on getting out of debt.

Even though I haven’t been active with the blog, I have been killing it in terms of tackling my debt. My wife and I have paid off about $10,000 in debt since March, and that’s just from my income and a little bit of wedding gift money. But sadly, our overall debt is only down a few thousand bucks since my last debt update (and my wife brought zero debt into the family). Like most normal newlyweds, we tacked on a lot of expenses between our wedding, honeymoon, expensive gifts, and other things we probably shouldn’t have spent money on.

Nevertheless, we’re paying down debt aggressively, my wife is completely on board, and we have less than $20,000 in debt to go. We are doing our best to avoid eating out, we have barely bought any new clothes since we got married, and our getaways are very few and far between. When we do get away, it’s somewhere within driving distance and I’m using rewards points to book our hotel.

All that said, I know I’m not a great example of a hardcore get-out-of-debt fanatic, but I’m still chipping away. Still moving in the right direction. Never as quickly as I want to be, of course, but I’m still hanging in there.

How are you doing with your own personal finances? Are you living paycheck to paycheck? Racking up credit card debt? Or are you financially free and living life comfortably within your means?

Moral of today’s post? We’ve got to stay focused if we want to win with our finances. Idling along won’t cut it.

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2 responses to “Staying focused on getting out of debt”

  1. Great job! The first step is always the hardest, once you get started on debt pay down it truly can be like a snowball. Stay committed and these things will pay off!

    1. Thank you so much for your comment! I’m definitely staying committed – just tackling the rest of my student debt now!

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