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I Paid Off $30,000 in Debt and Teach Others to Do the Same
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It was clear I was a classic underearner. I was using the credit cards to float my lifestyle and was too nervous to ask for a raise. I realized I had to cut back on spending, but I also needed to get a higher paying job.
I knew I was doing more than my share of the work and not getting paid accordingly and was feeling resentful: I received praise and recognition, but not an increase or a promotion. So I decided to look outside the company for other opportunities. I found a higher paying job with a promotion at a company that paid all my benefits and had a generous bonus structure.
It came at the perfect time. From there, I began to put new habits in place, such as checking my account balances every day to keep my spending in check. I also committed to using all cash, all the time. I started paying my credit cards off one by one, beginning with the lowest balance and working my way up to the highest balance.
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To stay motivated, I built rewards into my budget. For instance, if I stuck to the plan for two weeks, I would buy myself a new book or go out to lunch. I ate at home and cut back on shopping and entertainment. I started making sure that after I paid bills and living expenses, I was spending the leftover money on things I actually enjoyed.