My husband and I have been carrying around roughly the same amount of debt for about 5 years. Every so often we add up the numbers, wallow in self-pity about how bad it is, make an aggressive plan that we follow through on for a few months and then go back to our old ways. Sometimes an event will come up that causes this – moving halfway across the country (put the gas on the credit cards!) or getting married while unemployed (max out the credit cards!), for example.
When we do get one of those wild hairs to go HAM at our debt I read everything I can get my hands on. Personal finance books and blogs that actually document a debt freedom journey are my favorite. Johnny and Joanna, Cait and Mike and Lauren have taught me that it is possible to live without debt. Suze Orman, Dave Ramsey and Ramit Sethi have all shown me the steps to take. I look to these people for motivation, inspiration, and, some days, a swift kick in the ass when my will starts to waver.
That’s what we hope Minimal Means will become. We will show you how we get out of debt once and for all and perhaps we can motivate you to do the same.
Read on to find out how we got into $13,000 of debt, and stayed that way for way too long.