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Posted on Feb 19, 2013 | 2 comments

Getting Debt Free: January 2013

Getting Debt Free: January 2013

Surprisingly, sticking to our budget and paying off our debt has been easier than we thought it would be. Even when we had a couple curve balls thrown at us with there not being enough hours at Drew’s work. Thankfully, he was able to pick up some extra work on the side and we continued our progress for getting debt free January 2013.

We followed our budget for January 2013, didn’t overspend and paid down some of our debt. We even completely paid off two of our debts in full. Two debts down! Fifteen more to go. Sure, they were our smallest debts, but paying off those debts still felt amazing. Knowing you have one less debt than the day before feels better than any new piece of clothing or meal out ever could.

I’m aware that these kinds of things are always easier to do at the beginning. You have momentum and drive when you first start out on something. As time goes by, you can lose that drive and the high you had to complete your goals can fizzle. We are both very aware of this and are actively keeping this at the front of our minds to make sure we don’t lose our drive. We are determined to do this!

Yesterday, while feeling tired, I thought for a while I wanted to pick up dinner. It sounded like a great idea. Then I started thinking how much it would cost to go out. I thought about how going out would take that much longer to pay off our debt. Instead of going out, I made what I wanted at home for a fraction of the price and made it for our lunches the next day, as well. By making the meal at home, I still got what I was wanting to eat, saved money, and stayed on track with our financial goals. I know it won’t always be that easy. There will be times it will be really hard to walk away, but I’m fixing to keep going and to keep moving closer to our financial goals.

How did you do in getting debt free January 2013?

About Kimmy Hayes

Kimmy Hayes is the founder and editor-in-chief of AfterGlobe; a site on becoming debt free and traveling the world as a married couple. In 2012, she planned and coordinated her own do-it-yourself destination wedding on the beautiful island of Maui while serving as a moderator for the on-line community, The Knot. She is passionate about traveling to experience new cultures, snorkeling the waters of the world and reading with her toes in the sand.


  1. So glad to hear that things are going well!! I think paying off a debt is the BEST feeling in the world!!

  2. Thanks, Lora! Keep up the progress you’ve been making, as well.


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