WE'RE DEBT-FREE! You read that correctly. We were drowning in $166,456 worth of student loans, credit cards, personal loans and car loans. We didn't know how we would ever escape the monthly payments . . . We turned our lives around when Brandon got us hooked on @daveramsey's The Total Money Makeover and getting involved with taking Financial Peace University four times! We never could have done this without following the Baby Steps that Dave teaches and learning to love our life like @rachelcruze teaches. We chose to live like no one else for the last 12 months so now we can live and give like no one else!

After months of discipline and hard work and keeping our eyes on the prize, my husband and I are officially #DEBTFREE 🥳🎉 $27,286.01 paid for in 7 months!!! We tell everyone this all the time: @DaveRamsey and his principles WORK! We are proof that a budget, a plan, and good ole fashioned teamwork really does make the dream work. We're so blessed and thank God for all the people and resources He's put in our path. 🙏🙌 We couldn't have done it without our friends, families and our awesome FPU [Ramsey+] family! Baby Step 3, here we come! 💪🔥

I'M DEBT-FREEEEEE 🗣🗣🗣🗣 Ahhhhh! 😍 I did it! 🎊 Around this time last year I completely changed my mindset around money and got serious about eliminating my debt. I attended FPU [Ramsey+], created a zero-based budget and followed a plan—paying off my debt smallest to largest using the debt snowball. It took a ton of sacrifice and self-discipline, but I remained focused on my goal. $20k in 11.5 months. Thank you @daveramsey, @rachelcruze, @anthonyoneal and everyone at Ramsey Solutions for your continued mission of wanting to see others WIN with money! 

WE’RE DEBT-FREE!! 😭🥳😭🥳 We do not want to post this to brag on ourselves, but to show what A LOT of prayer, a little hard work and some good communication can do! With many crazy looks from our family and friends . . . we enrolled into an FPU class. We learned so much about each other, and it helped our communication as a young married couple so much! We’ve continued with gazelle intensity even through the holidays! We didn’t get each other Christmas gifts and made extra payments to the car and saved for an upcoming medical procedure I was needing! Next up, Baby Step 3! HUGE thank-you to @daveramsey, @rachelcruze and @chrishogan360 for giving us the tools to accomplish our goals! 

WE DID IT!! $62,675.39 paid off in 1 year! It took patience, compromise, discipline, hard work, and a whole lot of grace, but I can’t even describe how rewarding it is knowing that we have no debt (except our house)! We are no longer slaves to credit card companies, car loans, and Great Lakes student loan company!!! God is so good though, and he sent us two amazing friends who introduced us to @daveramsey by holding a Financial Peace University  [Ramsey+] class that we attended last year! This lit a fire under us . . . we paid off two cars, two credit cards, and all my student loans! I can’t wait to start Baby Step 3 and cushion our savings account! 

Thank you to @daveramsey, @chrishogan360, and @rachelcruze for their guidance through Ramsey+ Financial Peace University and The Total Money Makeover. Despite several years of saving and investing, we still had lingering debt. With a newborn son on the way, we decided to buckle down so we can provide the best life possible for our child. We had to make lifestyle changes like cooking instead of eating out, budgeting less than what we earn each month, and focusing on needs instead of wants. My wife and I worked as a team, and I’m grateful for the constant communication and monthly budget talks. God is good! 🙏🏽 In time we hope to give a legacy to our children and give back to charities we care about.