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Debt Free Climb

One Millennials journey from debt to debt free

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Side Hustles

House Hack Update: My First Renters

February 2, 2019 by Gary

debt free climb house hack

In my last house update post, I spoke about my plans for renting out the two additional bedrooms in my house. I treated January as an experimental month and listed my furnished room on Airbnb while I searched for full-time renters for February. Let’s see January’s results and the next steps for February regarding my house […]

Filed Under: Intentional Decisions, Side Hustles Tagged With: Airbnb, House Hacking, roommates, Savings

Preparing for my House Hack

November 4, 2018 by Gary

debt free climb

Its pretty crazy to think about, but I am about a week away from closing on my first home and starting my house hack. It’s pretty cool that I went from being in $55k in Student Loan debt four years ago to becoming debt free in April of 2017 to now being in the position to […]

Filed Under: Intentional Decisions, Side Hustles Tagged With: Airbnb, Home Ownership, House Hacking

Flipping Items for Extra Money Online

November 8, 2017 by Gary

flipping side income debt freedom

When you are on a journey to pay off debt you should be doing everything you can to reduce your expenses and increase your income. When I first started on my debt freedom journey, I mainly focused on ways to cut expenses, but I realized that reducing expenses is only half of the equation. It’s […]

Filed Under: Side Hustles Tagged With: Debt Freedom, Flipping, Retail Arbitrage, Side Hustles

Q3 2017 Goals

July 5, 2017 by Gary

Half the year is completed and it’s time for another quarterly goals update for 2017! Be sure to check out my Q1 and Q2 goals to see what I have been working on thus far in 2017. My goals are broken up into four categories: financial, education/training, health, and website. I write these goals post […]

Filed Under: Debt Freedom, Intentional Decisions, Side Hustles Tagged With: Blog, Debt Free, Education, goals, Health, Investing, Saving

I’m Debt Free!! How I paid off Over $55k in Student Loan Debt in 3.5 Years!

April 13, 2017 by Gary

Debt Free

Today is April 13th, 2017 and I just submitted my final student loan payment! I can finally say I am officially Debt Free! Let me repeat that one more time. I am DEBT FREE!! It has a nice ring to it. 🙂 I have had the goal of becoming debt free ever since I graduated […]

Filed Under: Debt Freedom, Intentional Decisions, Side Hustles Tagged With: Automate, Debt Free, Earn, Plan, Positive, Refinance, Student Loans, Tracking

Earn Side Income to Attack Debt

February 20, 2017 by Gary

Earn Extra Side Income

When someone comes to me and asks how to get out of debt my general advice includes: Organize and come up with a strategic plan Refinance to a lower interest rate if possible (Check out LendEDU* to compare student loan interest rates) Automate your money Track Everything (Related Post: Spending Recap 2016) Eliminating excess expenses Live below your means […]

Filed Under: Side Hustles Tagged With: Flipping, Hustle, Sharing Economy, Side Income

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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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