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A Debt Free Resolution


Happy New Year Everyone!  I can’t believe it is 2020.  Weren’t we supposed to be jetting to work in flying cars by now?  

Well, it is the time for resolutions.  If your resolution is to pay off debt and to take control of your finances this year, you’re in luck!

Here are a few of my favorite posts that will help you get started on your journey to kick debt out of your life!  Don’t forget to subscribe to get your free copy of the 10 Simple Steps to Annihilate Your Student Debt (and still enjoy life!).


This was my very first post on this blog.  We had just gotten frugal and figured out how to kick student loans in the butt!


A treatise on how frugal living can help us become financially independent and thrive.  We compare two doctors, Layla and Sarah.  One is an average physician and the other is a frugal physician.  The frugal physician strives to save half her income and becomes financially independent in a short 16.6 years.

The first step to getting our financial house in order is to understand how much we actually spend and where we spend it.  This is where a budget comes in.  

We can save a whole lot of money by automating savings in our weekly habits.  If we can cut out spending at work, we can save over a quarter million dollars over our working career!  Batch cooking is my trick to bringing lunch in to work every day.

This is one of my favorite frugal hacks- having consistent groceries in the house really cuts down on outside spending and not having to wander the isles makes me gain a couple of hours in my week!  Priceless.

I love wine.  I’m also a bit of a wine snob.  Here is how save on wine on a monthly basis.  Also, here are some of my favorite frugal red wines. 

Looking to cut more fixed monthly spending?  Here is how we cut our monthly cell phone bill down from $140 a month to $70 or less a month.

Another way to cut fixed monthly spending is to see if your health insurance will cover your gym membership cost.  Sound too good to be true?  It isn’t!

Doctors that downsize is becoming a thing.  One drastic way to really make room in your budget for debt payoff is to downsize.  Yes, it’s scary.  No, it’s really not that bad.  


Being on a FIRE budget doesn’t mean you have to be all work, no play.  We still vacation, but we do it with frugal flair.  


One of my favorite frugal hacks has been cutting out cable.  I can’t believe antennas still work.  That, along with streaming videos, has really cut down our cable budget while increasing our entertainment options!  It’s a win- win.


And finally, we were able to call ourselves Free of Student Debt!!  Here is a summary of how it all went.  I can’t wait for you to join us! 

Stay frugal, ya’ll!

Disha

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