Debt Payoff

We’re Debt Free!

The Neon Museum, Las Vegas

From left to right: Jay, Eli, me (Kat), Jesse, and Gabby. We are Smart n’ Cents!

We live in Las Vegas and we love our city. #VegasStrong

Today, we finished paying off $115,956.54 of consumer debt in (3) years on a single income. Our debt consisted of $43k in credit cards, $55k in cars, $12k in 401k loans, $5k in student loans, and about $1k in cell phone leases.

Jesse is the stay-at-home dad and I work in marketing for a hotel/casino.

Jesse and I have been married for (11) years and for most of our marriage we lived the YOLO (you only live once) Vegas Edition & “keeping up with the Joneses” lifestyle accumulating a mountain of debt (big home mortgages, credit cards, student loans, fancy cars debt, loans, etc) and finally got sick and tired of living paycheck-to-paycheck when making a decent living. We had to figure out where our money was going and change our financial ways.

We dabbled in Dave Ramsey’s plan back in 2015, and years before, after attending a Live Event and reading Dave’s book, The Total Money Makeover book. However, we fell back to our old spendy ways. We re-committed to the Baby Steps in March 2017, took Dave’s Financial Peace University, and stuck to it. Lesson: Don’t give up!

Dave Ramsey (and company) and our budget app, YNAB (@youneedabudget), were the keys to our success.

A huge thank you to Dave, the #debtfreecommunity, and #YNABcommunity for all the inspiration, motivation, and support!

The Neon Museum, Las Vegas

Photography: @tayloredphoto
Photographer: Jessie from @theemerics
Venue: @theneonmuseumlasvegas #neonmuseum

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