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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 2 Comments

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 Leave a Comment

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 7 Comments

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 1 Comment

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 17 Comments

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 8 Comments

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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