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Debt Free Climb

One Millennials journey from debt to debt free

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House Update: Moved In & Next Steps

December 29, 2018 by Gary

debt free climb house hack

That’s right; we are finally all moved into our first home. Meaning I am officially a homeowner! Check it off the bucket list. via GIPHY How I Did It After I became debt free in 2017, I began planning my next move. I built up my emergency fund, increased contributions to my 401k, maxed out […]

Filed Under: Intentional Decisions Tagged With: Airbnb, Buying a House, Expenses, House Hacking

True Cost of Dog Ownership – First 6 Months

May 23, 2018 by Gary

True Cost of Dog Ownership

It took my girlfriend over two years to convince me to get a dog. The subtle, funny dog memes and videos broke me down over time and last summer (2017) I finally gave in and agreed to start the process. For the last four years I have lived frugally to pay off debt and increase […]

Filed Under: Intentional Decisions Tagged With: Expenses, pet ownership, savings plan

Hacking Your Biggest Expenses

October 24, 2017 by Gary

hacking your biggest expenses debtfreeclimb

Hacking your biggest expenses is one of the most effective ways to pay off debt and start building wealth. I am a big believer in doing this and attribute my success in paying off over $55k in student loans to hacking my most significant expenses first. Related Post: 4 ways I saved $ and doubled […]

Filed Under: Debt Freedom, Intentional Decisions Tagged With: Auto, Expenses, Food, Housing, save, Track

Spending Recap 2016

December 30, 2016 by Gary

Spending

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

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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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