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The Zero-Based Budget That Helped Me Pay Off $87,000 in Debt in 26 Months
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The Zero-Based Budget That Helped Me Pay Off $87,000 in Debt in 26 Months
Twenty-six months ago, I was carrying $87,000 in combined debt: $31,000 in student loans, $24,000 on credit cards, $18,000 on a car loan, and $14,000 in medical bills. My minimum monthly payments consumed $1,870 — nearly 35% of my take-home pay. The weight of it affected everything: my sleep, my relationships, and my ability to imagine a future beyond the next payment due date. Today, the balance is zero. I did it using a modified zero-based bud…
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