29 Months Tracked
$ 38973 Paid Towards Debt
$ 15994 Debt Paid Off
100 %
Credit Cards Paid
70 %
Car Loan Paid
23 %
Bar Loan Paid

Below is the list of my Accountability Posts as well as my overall Debt Update. Please note, that my “Total Debt” includes all my debt including credit card debt, car loan, student loans, and a bar loan.

At the beginning, I separated out my consumer debt (credit card and car loan). Once my credit cards were paid off, I broke out my bar loan to be added to my Private loans (bar loan and car loan) which is why you see a difference moving throughout.

Looking at my "Private Debt" you see a lot more progress than in the “Total Debt”, the reason being I currently owe more on my student loans than when I started. I’m currently on an Income Based Repayment plan, and my payment doesn’t even cover the interest each month, allowing my loans to grow. To say I’m fighting an uphill battle would be extremely accurate, follow along (I could use all the cheerleaders I can get)


Total Debt

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Private Debt







Total Debt

Private Debt

















































Does not include bar loan













Thanks for checking out my Debt Update Page. This blog all started as a way to stay accountable while paying off my debt and to share the personal finance knowledge I gained along my way to Debt Freedom. If you’re curious as to how I got to be in so much debt, you’re in luck I wrote a post:

Once Upon a Time I Knew Nothing About Personal Finance – My Journey from Clueless Law Grad to Personal Finance Blogger

Best Debt Pay Off Tool

One way I'm making extra debt payments is with Qoins. When you sign up for Qoins, you connect your bank account and then spend as you normally would. Qoins will round up your purchases to the nearest dollar and put that change towards an extra debt payment.

Basically, Qoins will help you pay down debt faster by applying an extra payment for you by using your spare change. There is a $1.99 charge each month. However, they take it out of the spare change they set aside for you so you never see a charge in your bank account. If there isn’t at least $10 in your Qoins account they will roll that amount into the next month free of charge.


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