303 | How She Paid Off $25,000 in 6 Months: Renegotiating Debt, Canceling Subscriptions, and Going Cash-Only

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Hey budget besties! 💸 In today’s episode, we’re bringing you the inspiring story of one of our amazing clients who paid off $25,000 in debt—and we’re breaking it down into TWO episodes because there’s just too much to cover in one sitting! This is Part 1, so get comfy!
Our client—a mom of three with a family of four—came to us juggling $9,000/month income, multiple car loans, medical debt, a camper loan, student loans, and even a loan for new windows. Yep, it was a lot. But guess what? She not only paid off $25K in just six months, but she also made some big lifestyle changes (without giving up everything!) and learned to manage her money like a boss.
In today’s episode, we’ll talk about:

How she faced her debt head-on and got serious about making changes.
The power of renegotiating monthly minimums and cutting interest rates—because a phone call can go a long way.
How she cut out unnecessary subscriptions and requoted her auto insurance to free up even more cash.
The magic of using cash to keep spending in check. (Yep, cash envelopes might sound old-school, but they work!)
How she balanced her budget while still living her life—paying for school supplies, birthdays, a church retreat, and even pool maintenance, all in cash!

Plus, we’ll share her big wins like paying off her personal loan, credit cards, and student loans, and why getting on a budget wasn’t just about debt—it was about getting control of her life.
✨ Key Takeaway: Sometimes the biggest changes come from making small, consistent shifts. Whether it's using cash, cutting subscriptions, or renegotiating bills, little actions add up over time!
Sneak Peek at Part 2:
In the next episode, we’ll dive into another client story where they paid off $13,000 in one year—so be sure to come back for all the deets!

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