How To Pay 20000 In Debt – Practical guides, instruction manuals and bullet magnets. How to Pay Off $20,000 in Credit Card Debt in 5 Years. Worksheet
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How To Pay 20000 In Debt
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Documenting The Dental School Debt Journey
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I have been meaning to write this post for a long time. I don’t talk about money here… in fact, most people don’t like to talk about money. But paying off credit card debt is a huge accomplishment, especially when you’re in trouble. It all started when my husband and I lost our jobs in the same month in 2008. The worst time of our lives. We had a 1 year old daughter, one mortgage payment, 2 car loans, no savings and no income.
By the time we both got new jobs, we had a lot of debt. Then add in several fertility treatments and our total credit card debt is close to $20,000. Then it hit us. If we ever wanted to retire and not pay direct debit to pay, we would have to do something. And not next year, not next month… but NOW.
I’ve had the same Excel spreadsheets since 2008. I’m not even kidding. I can look back every month for the last 6 years and see how much money we made and how much money we spent. I update it daily and plan for 3 months at a time. This way, if I have a big purchase in the future, I can easily budget for it.
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The most annoying part of trying to pay off our credit cards at first was paying $100 in credit card fees and then paying another $50 in interest. A nuisance. So Ben and I used Dave Ramsey’s plan to pay off our credit cards, yes…all $20,000. Basically, we paid off the card with the lowest balance first. We paid the minimum on our other cards so we could save as much as we could each month on our small credit card. It was the BEST feeling in the world, getting rid of the credit cards one by one. Yes, it took time to complete this process, but seeing a large portion of debt disappear into the abyss did not motivate us.
To make this process easier, we limited all but one of our cards to a $500 limit (and the credit card company asked us several times if they could increase the limit and we said NO). We wouldn’t use that credit card and would keep it as a parachute for emergencies.
I’m a bit obsessed with budgeting, checking my balance every day, and paying off debt. Checking my credit card information online and checking my account balance every day helps me keep my budget spreadsheet up to date (I like to color code things so I know what payments are due and what have already been paid). If I check every day, it’s almost impossible to miss a purchase that I forgot to record or receive surprise items or overdraft fees.
Did you know that you can call your credit card company and sometimes negotiate interest rates? Yes, we did. After Ben and I lost our jobs, I noticed we were paying about 30% on some credit cards. YES. In fact, the threat of switching credit card companies helped reduce that number. You will enjoy it even if you have had a long working relationship with the same credit card company. Use this to your advantage.
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The best way to avoid overpaying? Use cash for everything. If it helps, separate your payments into envelopes: mortgage, utilities, gas, groceries, entertainment, etc. My husband loved buying energy drinks at the gas station. When I told him that he only had $75 a week to fill, the habit ended quickly.
6. Eat out. Ben and I ate out every day. This came to almost $70 a week! I know it’s too easy sometimes… I totally get it. But we didn’t need to spend $7 on French Deep Drive before lunch. Now we have lunch with us almost every day. I cook a little more for dinner to prepare lunch for the next day. If a group from our office gets together, we obviously spend money. We are not bullies. But if we go out together, we often split the first course in half or let Ellie eat from our plates. No alcohol during dinner.
Now that we haven’t eaten out much and haven’t saved a ton of money on daily trips to fast food restaurants, it’s time to put our spending to the test. Our first plan was to use everything from the fridge, freezer and pantry. It’s amazing how much food you take in and never eat. That’s why there are so many “pantry fixes.” Because we buy things, forget them, and then run out of storage. Yes, dinner has gotten very creative these days (tuna mixed with pasta, peas, and carrots), but it has pushed us to plan our list: buy only what we need for the week, and nothing extra. And if you know what dish you’re going to cook, you won’t have to rush to Taco Bell at the last minute.
Yes, I know, everyone in the world has a smartphone. If you want to keep costs down, go back to your old phone without all the apps and data packages. This can save you a tidy sum every month.
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I think at one point our satellite bill was around $170 a month. I’m not even kidding. Then suddenly I realized that we don’t watch much “live” television. These days, most of our shows are streamed on Netflix as we like to watch old series. While we didn’t completely give up on cable TV, we did manage to get our bill down to $55 (and it seems like the only reason to keep it this time is to watch the Cardinals and Big Brother baseball, ha).
Although dates are important, we don’t feel the need to go out once a month for an expensive dinner and a movie. If anything we will cook something special (changing the cooking routine), and then relax in bed with a movie or one of our TV marathons. If we are looking for