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Debt sucks period. 

My husband and I made it our goal to be completely debt-free, mortgage and all. And we reached our goal before I turned 32! Financial freedom truly comes when you’re out of debt.

Now, I want to make it really clear that we haven’t had high incomes and the past four years we have been living on a single income.

I just want to encourage you that becoming debt-free doesn’t have to be just a dream, it can be your reality. 

If we can do it, so can you!

So here are 31 of my best tips that helped us become debt-free by 31.