Starting Over My Debt Free Journey After Going BROKE in 2023 | 2024 Debt & Budget Overview

Truth be told, I have been watching a loooooooot of Caleb Hammer. So, before I dig myself any deeper in the hole of debt, I decided I would have another go at budgeting using the cash envelope system. I am so excited to get started on this special journey to becoming debt free and financial competent and stable.

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[loveandjoy]

Congrats on getting into nursing school! I am a nurse myself. Just a word of advice, don’t take out more in student loans than you will make in your salary as a first year nurse. Private nursing schools are dangerous and nurses are graduating with 6 figure debt for a degree that pays on average $77, 000 a year. It’s impossible to pay off before retirement. Public nursing school is the way to go. Apply for as many scholarships as possible. And finally, never under any circumstances take out private student loans, they offer no protections and can do what they want with the payment and rates. Remember that student loans (aka the United States federal government)are the most dangerous loans anyone can take out. They can never be bankrupted. They will follow you for the rest of your life unless one of 2 things happen - either they are paid off or the student dies. They can garnish your social security and take your tax refunds if you default. I paid mine off finally ($62, 000) and Im almost 50. It took forever because of the interest. Student loans charge interest on the interest. Best of luck to you in nursing school.

[mckenzimiller]

One thing I would recommend doing is saving about $500-$1k in your emergency fund before you start tackling the debt! That way, if something goes wrong, you won't have to put it on your cards while trying to get out of debt

[Blueheart]

Stay encouraged! I paid off about $11, 000 in credit card and medical debt in 9 months. It’s possible!

[DeeDee-oydw]

This came up in my recommended and decided to click. Congrats on nursing school!! I’m an RN and I’m actually a NICU nurse! Congrats on your little one and I’m so happy to hear she is thriving after a long stay in NICU. The wee ones sure are fighters. Wishing you all the luck with your schooling and budgeting 😊

[melodybales]

You must be superwoman or something! Single mom of a premature child, AND putting yourself through nursing school.. Woow. Props to you that takes some grit even to try, good on ya! Congratulations on your baby, and keep your head up <3

[nomiluxx]

Congratulations on the new job, upcoming graduation, and baby girl’s growth. 💕

I like that although you are trying to get your debt paid off, you are also accounting for those other things that you know will come up and you will spend on regardless like outings. Being realistic and allowing space for fun things will help your journey to actually work and keep you from resenting it.

I cackled at “angel number came through” when adding up your debt 😭🤣

[bajan_girl_budgets]

New subbie 🌺 Don’t be scared of that debt! You got this and will make an awesome “I’m debt free video post” very soon!

[xfkbkdm]

I’ve never related to a budgeting video so much before. I got my bachelors in health science back in 2018, joined the military in 2020, had a baby in 2022, got out of the military and started nursing school this year. Although I receive money from the VA every month for school through my GI bill, it’s still a huge decrease in income and I’ve accumulated so much debt this semester. But your positive outlook on your debt gives me hope for mine. I can’t wait to follow your journey!

[qofensunshyne]

Congratulations on the baby girl and Nursing School! Please ask your daycare if they offer monthly or biweekly payments (some daycares offer a discount for paying for the full month up front) and sometimes they also offer discounts for nurses, teachers, students, and even if you have specific bank/credit union memberships. And they don't always tell you, you have to ask specifically.

[BudgetWithBey]

CONGRATULATIONS on all your blessings you deserve it all. You will do amazing in nursing school and give your baby and yourself the life y'all both very much deserve 💕

[plus]

I have just kicked off my debt free journey, will be following your journey, congrats on getting into nursing.

[tracya.]

Welcome back and congratulations on all your accomplishments! Regarding your debt, you got this!

[alvxismichelle]

First time watching a cash stuffing video for me & this has me inspired! I’ve always been afraid to spend only cash because it’s hard to keep up with but this is so helpful!

[Under]

Awesome tools! Crushing the budgeting game! 🔥

[tierragreen]

My son came 3 months early too. He was 1 lb 4 oz. He turns 16 next month . He was in the NICU for roughly the same amount of time at your daughter .

[robyn_southafrica]

New subbie here! 😘🤗
Congratulations on becoming a new momma 🤍Congrats on the new job! 🤍🤍 And congratulations on getting into nursing school Paula!! So many blessings after the storm! God is so good!!🥺🙏🏾 So glad to be part of your online community now 😃❤️❤️😘😘 ILY!

[haileyreign]

👏🏿 YOU 👏🏿 GOT 👏🏿 THIS
It may feel like a lot right now but the temporary discomfort will lead to future peace & abundance! I pray for nothing but the best for you & your daughter. 🙏🏿❤️

[kateh]

Yes! We’re in this together girl, we got this. Loved the video!

[thebudgetfairy]

RN here! Congratulations on the little one and nursing school! Definitely subscribing to watch Your journey! You are gonna do great! 🧚🏽‍♂️🌱

[magmottobudgeting]

New subscriber. Congrats on the new journey of being a mom. Having kids is a blessing, I have 3 of my own and the debt is overwhelming but you have a plan and that is first step. Looking forward to you following your journey. -Maggie.