Final 2024 Debt Update | Debt Free Journey | $30k in Consumer Debt | $83,000 in Student Loan Debt

How much debt did we pay off in December? Progress isn't always easy, but we are going in the right direction. Finally adding in my Student Loan and Mortgage... the numbers are scary!!

#debtfreejourney #monthlybudget #budgetcloseout #paycheckbudget #snowballmethod

[UghUgh]

I’ve noticed a pattern, that when the other spouse isn’t involved in the finances, they are more likely to make not so smart purchases.

[Lavendersmooches]

If there is nothing wrong with the car, keep it near and dear!

[michellefjm]

Fantastic progress on your debt pay off journey Mrs P - Well done you!🎉

[TracyBirds]

What is wrong with the car? Considering it still have a loan on it, I would consider investing a couple thousand in getting it fixed. Congrats on paying off the John Deere.

[sarahm]

Definitely look to see if you can refinance. The difference between unsubsidized vs subsidized was when the interest started (while in college vs 6 months after graduating). I know many of my friends have just refinanced through SOFI for a smaller interest rate. It’s definitely worth looking into so you can get more to that principal! Even if it is only .5-1% lower than what you pay now that is that much more you can put to it or use elsewhere in your budget

[joliewood]

You had an awesome year. Congratulations. I hope you had a nice break from school. 🎉 The wedding will be exciting. Congratulations!

[michelemcgill]

That is an amazing year. Congrats on the wedding.

[meghanhonohanacra]

Been watching for a year you did a phenomenal job paying down debt in 2024 😊

[GlendaWarren-fn]

Mrs P car prices are stupid right now and interest rates are too ! Keep paying that debt and delay till at least till after the wedding ! Keep that car chugging !!!! ❤

[robinlanders]

I'm so impressed with the debt payoff you were able to accomplish! Great job Mrs. P.❤

[tchapman]

I’m so impressed with all the progress you have made while still living your life you inspire me 😊 I don’t if you remember I had to empty all of my sinking funds and envelopes in July to pay for my husband’s surgery. I have my emergency fund built up to $1700 now so I’m going to start tackling the debt again. Thanks for your encouragement it has definitely helped keep me on track.

[GlendaWarren-fn]

Great job Mrs P 2024 was a true success for you and yours !!!! ❤

[GlendaWarren-fn]

First vacay is almost closing up Mrs P good for you ! You’re ahead of the game Mr Bill and I did the same thing ! Review our goals and spending in 2024 and plot a course for 2025 !!! Please keep the debt being paid ! You can do both due to your focused savings ! You’re doing a great job !!!

[ozzietux]

Congratulations on your one year YouTube anniversary. Great progress made on your debt. Congratulations on what you have done. Keep going with it and you will get there with it

[TracyBirds]

Will your student loans ever be forgiven, giving your public service?

[beccavas]

You should check if you qualify for public service loan forgiveness on the student loans. Since you’re a teacher I believe you would! My mom took out a huge parent plus loan for me and we just had it forgiven (after 10 years of payments, but still anything is nice!)

[Sophie-jnqq]

I also do a savings snowball as I’m getting married in 2026 and have big savings goals in general. It’s worked great for me!

[uqrkhxj]

Great job this year!!!! Loved your videos and progress!! Now I’m ready to start my journey

[stefsonabudget]

Yay Mrs P! You guys made some serious progress in your debt this year. You should definitely feel so proud of those numbers and all the work you put in. I’m so glad you started a channel, it’s been lovely following your journey! 🥰 I think focusing on the wedding is great. You are such a good place from the beginning of the year you’ll be saving and paying debt like a rockstar. Super awesome and inspiring video! 💜🎊💜

[amanda...]

You did awesome!!!! The most awaited Can’t wait to see your debt progress and wedding savings in 2025