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How This Couple Is Living the Debt-Free Life

Jessie and Chris had a busy year in 2016.

They were newlyweds learning the ins and outs of marriage, and Jessie had just started a brand-new job. Those two changes alone are a lot to take on in a single year, but they also managed to pay off their debt, too!

How This Couple Used EveryDollar to Pay Off Debt

“Right after we got married, we started talking about our future and how we wanted to be successful,” Jessie explained. “For the first time ever, we came together and said, ‘Okay, what’s our plan?’”

Not long after their discussion, Jessie stumbled upon EveryDollar.

Once they started to focus on their spending and budgeting, they realized they needed to pay off their debt and get their money on track. They had already built up some savings, which they immediately decided to put toward paying off their debt.

From there, it was time to buckle down and focus all their energy on getting rid of their payments. The couple ended up celebrating their financial independence on Independence Day!

Now Jessie and Chris not only have a full emergency fund, but they’re saving for a down payment on a home they can call their own.

They’re grateful to have found a budget tool that worked for them. And they credit a lot of their success to the fact they can use EveryDollar to see exactly what they’re spending and how much they’re saving.

Jessie said it turned the budget from a chore into a tool that they know will help them achieve their dreams. “EveryDollar has helped us understand a budget is actually permission to spend money and not a restriction. I can’t wait for next month to put everything in place! It’s so exciting for us to do that together.”

They found a way to make it fun, too!

Rather than having formal budget meetings, Jessie and Chris call their monthly budget meetings “money dates.” They may go out to a restaurant, or maybe even cozy up at home with a nice dinner and a glass of wine as they talk about their goals for the upcoming month.

Making Small Changes for Lasting Impact

Long-term goals are important to these two. That’s one of the reasons Jessie decided to start building a capsule wardrobe—a smaller, intentional wardrobe with pieces that mix and match.

“One of my best friends is a minimalist when it comes to her clothes,” Jessie explained. “I think she has 32 items in her closet. And every time I see her, she looks so put together. Meanwhile, my closet is bursting at the seams and I can never find anything to wear!”

The more Jessie thought about it, the more she decided to give the capsule wardrobe a try. She said it helped to realize clothes weren’t going to make her happy in the long run. Instead, she would rather focus on her family’s bigger goals.

“I think I had $300 a month going toward clothes at one point,” she said. Now she might set aside $50 a month for clothes. That’s a savings of $250 a month! And instead of buying anything that stands out, she focuses on items that she can mix and match with pieces she already owns. “It’s much more simple, it’s easier to get dressed in the morning, and it saves a ton of money,” she explained.

If Jessie had to give advice, she says she would tell people to focus on their goals and dreams first, and then think about what they need to do to achieve those things.

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“For me,” she explained, “EveryDollar is the tool we use to see success in action. It’s there to help you stay organized and on track. It’s helped us and been an amazing blessing. I don’t think we would’ve had this success without EveryDollar.”

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Ramsey Solutions

About the author


Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

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