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Debt Free Climb

One Millennials journey from debt to debt free

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Gary

Debtfreeclimb 2020 Update

October 23, 2020 by Gary

national park

I wanted to write this post to give you an update on what’s been going on in our lives in the last four or five months. If you saw my last post, my wife and I have paid off over $30,000 in student loan debt in 3 months earlier this year. Since that post, a […]

Filed Under: Debt Freedom Tagged With: Buying a House, Debt Freedom, Job Hunting, Laid Off, selling a house

DebtFreeClimb v2- Our Debt Freedom Progress Report

June 17, 2020 by Gary

debt freedom start 2020

It’s been a little bit since I last delivered a Debt Freedom post to you all, but I felt like this was a great time to get back in action. I wanted to recap you on the last six months of my life and to let you know that, yes – I am back in […]

Filed Under: Debt Freedom Tagged With: Debt Freedom, Debt Journey, Debt Reduction Calculator, Marriage, Student Loans

Trip Report: Our Honeymoon (not on a budget)

February 7, 2020 by Gary

debtfreeclimb honeymoon bali

Welcome back to another trip report post! In this post, I will recap my recent honeymoon trip to Bali, Indonesia, as well as Singapore! A 2 for one special. Posting my trip reports are one of my favorite parts of having my blog as I get to recap how anyone can travel for cheap if […]

Filed Under: Adventures Tagged With: Award Travel, Bali, honeymoon, Singapore, Travel Hacking, wedding

My 2019 House Hacking Review

December 26, 2019 by Gary

As 2019 comes to an end, I wanted to take the time to review my House Hacking results for 2019. I bought my house in late 2018 with the plan to rent out my spare bedrooms to offset the cost of owning a home. My goal was to reduce my most significant expense (housing) to […]

Filed Under: Intentional Decisions Tagged With: Airbnb, House Hacking, Largest Expense, Roomates

Trip Report: Hawaii on a Budget!

November 25, 2019 by Gary

debtfreeclimb hawaii

Welcome back to another trip report post! In this post, I will recap my recent trip to Oahu, Hawaii! Its been over a year since my last trip report, so this one is way overdue. Posting my trip reports are one of my favorite parts of having my blog as I get to recap how […]

Filed Under: Adventures Tagged With: Award Travel, budget travel, hawaii, Travel Hacking

Avoid Complacency & Optimize The Easy Stuff

September 17, 2019 by Gary

Avoid Complacency

When I was on my Debt Free Climb, I developed a habit to start tracking my income and expenses closely. By tracking my money, I avoided complacency because I was hyper-aware of where my money was going. I analyzed spending trends which helped identify ways to adjust/eliminate waste in my financial life. Due to my […]

Filed Under: Intentional Decisions Tagged With: Avoid Complacency, Optimize, Reduce Expenses, Shop Around

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Zion National Park DebtFreeClimb My name is Gary, I graduated college overwhelmed by my $55k in student loan debt. It took 3.5 years to climb out of debt and officially debt free in April 2017. I created DebtFreeClimb to share my story and help others in the process. I'm passionate about helping people live intentionally, pay off their debt, build a side income, and travel the world. Check out my full story Here

Student Loan Payoff Progress

My Wife’s Student Loan


Student Loan Paid: $32,500
Student Loan Total: $62,000
Remaining Balance: $29,500
Projected Payoff March 2021

Gary Student Loan


Student Loan Paid: $55,267
Student Loan Total: $55,267
Remaining Balance: $0
Paid off April 2017!

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