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One Millennials journey from debt to debt free

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Intentional Decisions

Spending Recap 2016

December 30, 2016 by Gary

Spending Recap 2016

There are two main factors to building wealth: making more (income) and spending less. There is a debate in the personal finance area of which is more important. To me, making more and spending less are equally important because it’s all about the “Gap” (or Savings Rate) between them. The bigger the “Gap” between how […]

Filed Under: Debt Freedom, Intentional Decisions Tagged With: 2016, Expenses, Optimize, Saving, Spending, Tracking

December 2016 Goals

December 7, 2016 by Gary

December 2016 Goals

Hello and welcome back to another month of “my goals” posts! 2016 is coming to an end, and I can’t wait for 2017. Its is going to be the best year yet. I have so many things to look forward to, including: Paying off my Student Loans (projected March 2017) 100% Debt Free by May […]

Filed Under: Debt Freedom, Intentional Decisions Tagged With: Blog, Education, goals, Meditate, Student Loans

Simple Tips to Automate Your Finances

December 1, 2016 by Gary

Simple Tips to Automate Your Finances

Have you ever forgotten to pay a monthly bill?  Do you consistently transfer money in and out of your savings account? Do you spend more than a few hours each month managing your money? If you answered yes to any of the questions above, consider Automating! If you have seen any of my goals posts, I try […]

Filed Under: Intentional Decisions Tagged With: Automate, Bills, High Yield Savings Account, Saving

Introduction to Travel Hacking

November 16, 2016 by Gary

Introduction to Travel Hacking

In the last few years, I have developed a case of “wanderlust”- a strong desire to travel and gain new experiences. In early 2015, one of my best friends “solo” traveled throughout Argentina for about a month. The trip changed him (for the better), and his experience inspired me to make travel a priority for […]

Filed Under: Adventures, Intentional Decisions Tagged With: Award Travel, credit cards, Travel, Travel Hacking

November 2016 Goals

November 2, 2016 by Gary

November 2016 Goals

October came and went so fast. During the month I was happy to accomplish some essential goals completed for the blog. I was able to get three new posts under my belt, got a logo for the site, and started connecting with other personal finance bloggers via social media. As November will be my 2nd […]

Filed Under: Intentional Decisions Tagged With: Blog, Debt Free, Meditation, Personal Development, Social Media, Student Loans

8 Reasons to Spend More Time at the Library!

October 24, 2016 by Gary

8 Reasons to Spend More Time at the Library!

If you haven’t noticed, your public library is not what it used to be. Now, the library offers much more than just checking out books. As technology improves, so does the library, offering many new ways to learn and entertain. In the past, many library services have been underutilized because the mass population isn’t aware of […]

Filed Under: Intentional Decisions Tagged With: audiobooks, Free, Freegal, Hoopla, library, Overdrive, Perks, save, value

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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

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

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