Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now over a year into their Debt Freedom March.

Couple #1's Thoughts This Month

The current economic environment is flipping crazy.  I can only think that God had his hand in my wife and I deciding to get out of debt long before this downturn.

• We paid half the balance of car 2 and owe just $500.
• We increased the payment on the HELOC to $700.
• The property taxes are already paid when in years past I would have to wait until my tax check came back.
• Christmas is bought and paid for and under the tree. Instead of buying useless presents for friends this year, I made gifts out in my shop.

We have a lot to be thankful for.  We have our jobs, we have our health, and we have each other.  May God bless you all as I have been blessed.  Merry Christmas!

Updated Debt Freedom Date

Month By Month Progress

Sangl says

Another excellent month!  Couple #1 has a fully-functioning Known, Upcoming Expenses account that has enabled them to stay the course even in difficult economic times.  If your budget is constantly smashed by things like property taxes, quarterly insurance premiums, vacation, or Christmas, I highly recommend clicking HERE to learn how to set up a Known, Upcoming Expenses account.

Read Previous Monthly Updates For Couple #1 HERE

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now over a year into their Debt Freedom March.

Couple #1's Thoughts This Month

It was a good month.  We are upping the payment on the HELOC and are close to paying off car 2.  With the financial world blowing up around us, it is such a great feeling not to have to make payments on all of that debt!

Updated Debt Freedom Date

Month By Month Progress

Sangl Says …

Couple #1 is making huge strides toward debt freedom.  It takes time, but it is awesome to see the progress being made!

Readers …

How is your Debt Freedom March progressing?   You can get started on your own Debt Freedom March HERE.

Read Previous Monthly Updates For Couple #1 HERE

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now over a year into their Debt Freedom March.

Couple #1's Thoughts This Month

I am so thankful for your help and encouragement in these tough times. If we were carrying our previous levels of debt it would be stressful to say the least. We are seeing our 401k shrivel but we all know that will return with time and stability. I only hope Americans now see that being in debt is dangerous combination of timing and chance.

Updated Debt Freedom Date

Month By Month Progress

Sangl Says …

Another boring month of debt reduction …   Couple #1 has figured this thing out.  They have a plan that is working, and that means more debt has left.  Way to go!

Readers …

How is your Debt Freedom March progressing?

In my book, I Was Broke. Now I'm Not., I share the story of my Debt Freedom March and teach the exact tools that Jenn and I used to become debt-free.  You can do it too!  You can read the book's introduction HERE.

Receive each post automatically in your E-MAIL by clicking HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now ELEVEN months into their Debt Freedom March.

Good/Bad This Month

This month went to plan. It is great to see these balances going down.  On the other hand, it is difficult for expenses to go up so much.  It seems as though all of our extra spending money is going in the tank and into the grocery cart, but I can't complain.  I feel very lucky.  We have a house that is not in foreclosure, and we have two great jobs with benefits and insurance.  We are so blessed.

Updated Debt Freedom Date

Month By Month Progress

Sangl Says

Couple #1 is now twelve months into their debt freedom march.  What a fantastic year it has been!  They have paid off $21,801.  This is what can happen when one is intensely focused on debt freedom and recognizes what life will be like when there is ZERO DEBT.

When Couple #1 started out, they had $35,695 in non-house debt.  They now have only $16,000 of non-house debt remaining.  Outstanding!

Couple #1 is doing a great job of sticking to their debt freedom march.  There are times that it seems almost unattainable, but it IS attainable and it IS so worth it!

Readers …

How is your own Debt Freedom March progressing?

In my book, I Was Broke. Now I'm Not., I share the story of my Debt Freedom March and teach the exact tools that Jenn and I used to become debt-free.  You can do it too!  You can read the book's introduction HERE.

Receive each post automatically in your E-MAIL by clicking HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now ELEVEN months into their Debt Freedom March.

Good/Bad This Month

We are really struggling with the economy right now. We are in sales and am currently way below last year's figures.  For the first time in twenty years, we laid off people in our home office. Things are really scary. On the bright side, we are not carrying near as much debt as this time last year so we are not creating new debt which to me is the most important thing.  I thank God for all we have and pray for those who are struggling way more than my family. Thanks for all of your help and wisdom.

Updated Debt Freedom Date

Month By Month Progress

Sangl Says

Another debt has left Couple #1's household!  The American Express has been kicked out forever.  Nice!

Here is what is so incredible – Couple #1 began attacking their debt just eleven months ago, and they have paid off $20,462!  Way to go Couple #1 – I can't wait to see where you guys stand at the end of your first full year of attacking your debt!

Readers …

How is your own Debt Freedom March progressing?

In my book, I Was Broke. Now I'm Not., I share the story of my Debt Freedom March and teach the exact tools that Jenn and I used to become debt-free.  You can do it too!  You can read the book's introduction HERE.

Receive each post automatically in your E-MAIL by clicking HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now NINE months into their Debt Freedom March.

What went well this month?

Staying on schedule. I am glad we started this months ago. I would hate to be carrying that extra debt through these tough times.

What were the challenges/struggles this month?

Expenses are taking all the disposable income right now. Food and gas are unbelievable. We are determined not to create new debt. We are being very creative about saying no.

Updated Debt Freedom Date

Month By Month Progress

What has helped you stay on this Debt Freedom March?

The day that I can say I owe no money to anyone will be a benchmark in my life!

Sangl Says …

Next month, Couple #1 will clear $20,000 of debt paid off in the first 11 months of their Debt Freedom March!  That is AWESOME!  Also, it appears that the American Express card will be ditched completely!  This stuff works!

Readers …

How is your own Debt Freedom March progressing?

In my book, I Was Broke. Now I'm Not., I share the story of my Debt Freedom March and teach the exact tools that Jenn and I used to become debt-free.  You can do it too!  You can read the book's introduction HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now NINE months into their Debt Freedom March.

What went well this month?

Everything went reasonably well. We had a few unexpected bills but that is life. The rising cost of living is eating into our monthly budget a little but we are on track.

What were the challenges/struggles this month?

GAS, FOOD!!!

Updated Debt Freedom Date

Month By Month Progress

What has helped you stay on this Debt Freedom March?

The prize at the end of this is not being indebted to the leeches.  I want to be free of the weight of debt.  It is a cancer.

How has this Debt Freedom March impacted your marriage relationship?

It has created a sense of trust and unity. Together we are invincible, and we have a little change in our pocket.

Sangl says …

There are several success stories this month!  Did you notice that Couple #1 paid off TWO credit cards this month?  Lowe's and Discover both went into the "PAID OFF!" area this month.  AWESOME!  Also, they have paid off $17,963 in debt in just nine months.  That is INCREDIBLE! That is a new car's worth of debt.  Couple #1 could have continued living like they had in the past, and they would have been able to pay the bills fine.  But they have caught a glimpse of what life is going to be like without debt, and nothing can stop them.

This is what this entire crusade is all about.  Helping others accomplish far more than they ever thought possible with their personal finances!  I LOVE THIS STUFF!

Readers …

What is your Debt Freedom Date?  I hope it is zero or approaching it quickly!

Read Previous Monthly Updates For Couple #1 HERE

In my book that was released in January, I share the story of my Debt Freedom March and teach the exact tools that Jenn and I used to become debt-free.  You can do it too!  You can read the book's introduction HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now EIGHT months into their march.  How time flies!

What went well this month …

We are on plan!

What were the challenges/struggles this month …

I had to pay a large bill, but no sweat I had my emergency fund.

What is your favorite tool on JoeSangl.com?  Why?

It's a toss-up between the monthly budget (which is the engine of saving) and the debt freedom date calculator (which is the prize).

Updated Debt Freedom Date

Month By Month Progress

Sangl Says …

Couple #1 has paid off nearly $15,000 in debt in the past eight months.  That is nearly $2,000 PER MONTH!  Unbelievable.  In eight months, their Debt Freedom Date has dropped by TWELVE months.  AWESOME!

Readers …

It is amazing to see what happens when a written plan is put together AND followed.  You CAN do this too!  Visit the free TOOLS page by clicking "TOOLS" link at the top right-hand corner, and get started on your own Debt Freedom March!

Read Previous Monthly Updates For Couple #1 HERE

Like what you are reading?  Receive each post automatically in your E-MAIL by clicking HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now SEVEN months into their march.  Here is this month's update.

What went well this month …

We are working the plan.  I jacked up the emergency fund to $5,000 and payed a little more on some bills.

What were the challenges/struggles this month …

NONE

What has kept you on the wagon for SEVEN months?

I sleep at night.  I owe this to my family.  God has blessed us with so much, and I need to take good care of it.

Updated Debt Freedom Date

Month By Month Progress

Sangl Says …

Incredible progress again this month!  This is outstanding.  By my calculations, this family will be debt-free except for their house (1st Mortgage and Home Equity) in less than TWELVE MONTHS!  That will be INCREDIBLE!

Lowes and American Express are going to be leaving within the next few months and then the dentist is going to be VERY CONFUSED when the office receives a snowball payment of $1,170 ($500 Lowes + $500 AMEX + $170 Braces)!  It is so fun to watch the debts just leave!

Readers …

THIS is what happens when you experience your IHHE Moment and get intensely focused!  This debt does not stand a chance.  I love it!  This stuff works!  I can't wait to receive an invitation to YOUR debt freedom party!

Read Previous Monthly Updates For Couple #1 HERE

Like what you are reading?  Receive each post automatically in your E-MAIL by clicking HERE.

Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now SIX months into their march.  Here is this month's update.

What went well this month …

WOW! This is like when you can fit into your skinny jeans again.  God blessed us and sent us a bonus check and instead of blowing it, I put it to good use.  I paid off my car, and paid $3,000.00 on the other car.  I am stoked!  In about three months, I will be shed of all debt except the big stuff.  We are also getting a tax refund, and I am hurling that at debt too.  I feel like David reaching for the stones, baby!

What were the challenges/struggles this month …

The only struggle is feeling guilty because we did not do this early on.  I would be a freaking gazillionare by now.  God rocks.  Joe rocks.  Not being broke rocks.  Yee Ha!

What are the biggest changes you have seen as a result of the first six months of this march …

This has made us focus like a laser beam on our finances – both good and bad.  It has let us have a glimpse of what life will be like with no debt, and I like it.  I can only wish that anyone who reads this takes it to heart.  Don't let credit cards ruin your happiness.  I will always remember my IHHE Moment!

Updated Debt Freedom Date …

Month By Month Progress …

Sangl Says …

ANOTHER DEBT IS GONE!  Couple #1 has definitely had enough.  Look at the progress they have made in just six months!  Their initial Debt Freedom Date calculation was 42.9 months.  They are now down to 35.1 months AND they have avoided all new debt.  They had to slow down during Christmas so that they could avoid debt that month, but it allowed them to stay on the path toward financial freedom.  In just six months, Couple #1 has made FOUR different debts leave their life!

Way to go, Couple #1!  I am FIRED UP by the progress you guys are making!

Readers …

How are you doing on YOUR debt freedom march?  You can do this!

Read Previous Monthly Updates For Couple #1 HERE

Like what you are reading?  Receive each post automatically in your E-MAIL by clicking HERE.