I Paid Off $8,000 in 90 Days (+The Steps I Used to Pay Off Debt Fast)

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Ready to learn how to pay off credit card debt fast? Then you’ve likely been doing a bit of reading and searching the internet. (It’s probably why you’ve landed here!) Personally, I've read lots of debt payoff stories over the last seven years of blogging about money and personal finance.  Some are great and inspiring; others are just plain annoying because they don't actually share any real numbers or advice for how to get it done.

 

In fact, these types of posts are so predictable, they often follow a formula: the more outlandish the amount and payoff timeline, the less information there is in the post. 

 

I wanted my big guide on paying off debt to be different AND actionable, so here's the step-by-step plan for how I paid off $8,000 of debt in under 90 days and tips for how you can pay off credit card debt fast and (bonus) on your own timeline. Here's the overview of how to pay off debt fast:

 

  • Choose your  debt payoff strategy
  • Calculate how much you owe and your debt payoff timeline
  • Find ways to save more
  • Hustle so you can earn more
  • Accelerate your debt strategy
  • Debt – Frequently Asked Questions
    • How hard is it to pay off debt?
    • How long does it take to pay off debt?
    • What is the fastest way to pay off debt?
    • How can I pay off debt with no money?
    • When paying off debt which should I pay first?
    • Is it better to pay off debt or save money?

 

 

How to Pay Off Debt Fast – Step 1 – Choose Your Strategy

 

 

 

Not all debt pay off plans are created equal. If you’re still reading, by now you know that you have a debt problem. First, you have to choose how you’d like to pay off debt. There are two main ways to do this:

 

#1 – Snowball

debt snowball: Made popular by Dave Ramsey, (tutorial here) this is where you list your debts smallest to largest and pay off the smallest first – then move along to the next. Once you pay off a card, you still use money for that card’s minimum payment to add onto your payment for the next one (and so on and so on).

 

#2 – Avalanche

 

debt avalanche: Make all of the minimum payments on each account, and then put the remaining money you have to pay off debt with towards the account with the highest interest. This will help you reduce the amount you pay on interest over time.

If you’d like to mimic my $8k in 90-day challenge, I did the snowball method and I like this one too.  It's awesome to have good, quick wins when paying off debt.

 

How the 8k in 90 Day Challenge Started

 

Here's how the “$8,000 in 90 Day Challenge” came about:

Three Months. No small feat! It’s easily the most aggressive goal I’d ever set for myself (before or since), and one of the few that I’ve actually kept and completely smashed.

 

Pro Tip: My FREE course, The Debt Master Plan, teaches how to do a debt challenge for yourself. It was built on the model and based on this post. If you want a deeper dive and the accountability of a tried-and-true course, I recommend. Click here to sign up!

 

 Step 2 – Calculate How Much You Owe

 

 

 

Because I'm a finance person, I knew exactly how much I owed because I tracked it in my Net Worth Spreadsheet and in the Debt Tracker that is now in my Financial Best Life Starter Set.

If you don't already know how much you owe, calculating it up is the first step.

I know it isn't easy to take a good, hard look at this type of number, but I promise it is worth it. You can’t create a plan without knowing what you’re working with.

 

Pro Tip: Take 50% off the FBL Starter Set at checkout with code 8K90DAY.

 

First, pick a timeline works for you

 

Before attempting the challenge, I knew I needed to do something drastic in order to get rid of all my debt. But making significant sacrifices for an entire year felt like a real drag (spoiler alert: paying off debt is ALWAYS a drag, which is why you should avoid getting into it in the first place.)

 

Twelve months to pay it off seemed like forever. A whole YEAR before I could jump up and down about being debt free? Puh-lease. I have a very short attention span.

 

I'm also the type of person that likes to get the painful bits over with right away, so I started brainstorming ways to help me accomplish my goal in a way that felt good and authentic to me as a person.

 

 

I wanted a timeline that would work for me rather than against me.

 

 

  • Could I pay all my debt off in a month? No, it just wasn’t realistic.
  • What about six months? I could, but even that still felt like a lifetime.
  • What if I got really serious and paid it all off in three months?  Maybe.

 

 

 

Start at the top of the new year, and with my birthday being in March, being debt free seemed like a great thing to gift myself. Once I began running the numbers, I found it was possible.

 

After calculating up how much you owe on all your credit cards, I encourage everyone to think of an ideal timeline.

 

  • When would you like to be debt free?
  • Is this realistic?
  • If no, then when could you reasonably accomplish this goal?

 

Then, work backward to figure out how much you’d have to make/save to get it done

 

With a target date of three months in sight, I then began to work backward.

 

$8100 divided by 3 (for # of months) = $2700 in debt payments each month.

 

$2700 a month felt really, really tight.

Contemplating what I could do, I moved $1,000 that I could spare from my savings and put it toward my credit card debt. I don't recommend raiding your emergency fund, but if you have the money to do this and still have at least $1,000 left over for an emergency, consider it. I encourage this because that money would likely serve you more by reducing balances you owe money on, rather than sitting in an account accruing negligible interest.

Contributing $1,000 right off the bat brought my total each month to roughly $2400, which is still high, but more achievable.

  • It was $1200 every two weeks
  • …or an extra $600 a week.

So, $600 a week. That was the goal.

 

Step 3 – Find Ways to Save More

 

 

 

 

The First Five Things to Cut from Your Budget 

 

Let me slap you in the face with this bit of honesty— cutting back is one of the biggest components to successfully paying off debt. 

 

Even if you're not in debt payoff ninja mode; maybe you want to contribute more to your retirement fund, your emergency savings, or just live more comfortably within your budget…cutting back costs is the best, fastest, most immediate way to make all of those things happen.

But when it comes down to paying off credit card debt, what do you cut? Where do you start? It can be hard to discern between the things you love, wants, and needs.

 

Here are my first five things to snip (read: the easiest to live without) when you're trying to live skimpy:

 

  1. Nights on the town
  2. Alcohol
  3. Take out
  4. Clothes
  5. Magazines/Books
  6. Travel

 

Read the full post on easiest things to cut, here.

 

 

Trim Expenses

 

There's also no better time to tighten the ol' belt than when you're trying to figure out how to pay off credit card debt super fast. Here are the first things I did to try and save money.

 

  • During my 90 day challenge, I took a hard look at my expenses and started slashing left and right. “It’s just for 90 days,” I reasoned.

 

  • Only gave myself $100 each month in “play” money.

 

  • Negotiated my bill payments to lower the amounts I had to pay each month. I did this on my own, but you can use companies like BillShark who do the work negotiating with companies on your behalf. I then took the extra and immediately put it toward my debt payoff goal each month. 

 

 

 

Try a No Spend Challenge

 

 

While frugality isn't something I preach, write about often, or even enjoy – I'll admit being uber-frugal can come in handy when you're trying to pay off debt.

 

The basic gist of a no-spend challenge is that you only allow yourself a SUPER SMALL amount on “non-needs” spending each month.

 

Like Anna, I gave myself $100 on non-needs spending a month during the $8k in 90 day challenge.

 

It’s also worth it to try a no-spend challenge for one month and see the savings stack up. Similar to the spending diet, a no spend challenge means you’re trying to have as many “no spend” days as possible in a calendar month. Read more here.

 

Tips for Your Own No Spend Challenge

 

  • Anytime I felt extra out of control or frustrated by my lack of funds, I just reminded myself it was for a good cause (being credit card debt FREE) in the end.
  • It was a great way to get competitive with myself and see if I could restrict my spending. When you only have $25 to spend on non-expense items, the gray area disappears and everything budget-wise becomes black and white.

 

By doing these few things: cutting the budget, lowering bill payments, and doing a no spend challenge for 90 days, I calculated I could allocate $800 from my full-time paycheck (or $400 every two weeks, of my roughly $2,000 bi-weekly paycheck) to my debt repayment each month after my living expenses and automatic savings withdrawals.

 

But even after all that hacking and slashing, I still needed to come up with an additional $1600 each month in order to meet my goal. This is where it gets exciting.

 

Step 4 – Earn More

 

 

 

 

Get a Side Hustle

After finding as much money for debt repayment as I could within my budget, I turned to my side hustle as a freelance writer and marketing gun-for-hire to ramp up extra income. Here are a few things I did to drum up work:

  • I hassled a few clients I hadn’t heard from in months.
  • Logged on to Upwork and found a handful of new (and surprisingly not terribly paying) clients.
  • Brainstormed new streams of revenue for my business, and so I started offering blog coaching for beginner bloggers and businesses. (Notes from these sessions eventually becoming the course, Beginner Blog Accelerator and the Blog Yourself Rich Workbook.)
  • Started offering more “sponsored content” to brands.(Here’s my full post on how I’ve made over $150,000 blogging.)

In short, for 90 days I focused exclusively on earning more income and the change was profound.

 

Do Gigs for Extra Cash

 

Besides starting a small side business, if you don’t have the time, there are a million low-time and low-cost ways to make extra cash to pay off credit card debt. Here are a few more that I tried:

 

 

Step 5 – Accelerate your payoff

 

 

Paying off debt requires a diligent strategy. Paying it off quickly requires being strategic with your efforts, and the best way to do be strategic with your debt is to pay as little interest on your debt as possible. There are a couple of ways to lower the interest rates on your debt, but these depend on your credit score and your individual circumstances like how much you owe and your current interest rates.

 

  • Good news: There are many ways to pay off credit card debt fast.
  • Bad news: You’ll still be in debt to someone, but (hopefully) with a lower interest rate and more manageable payment.

 

Investigate these in the order I’ve listed them below.

 

 

Balance Transfer Offers

 

At the time I was doing this challenge, I wasn't eligible for any balance transfer offers and since I wanted to be done with debt fairly quickly, I didn't feel taking time to lower my interest rates (plus any balance transfer fees) was worth the money.

Still, a big component to paying off debt quickly is to figure out how to get your interest rates as low as possible. This is because interest compounds, so the higher the interest rates – the more you pay and the longer it will take you. 

 

Pros:

  • 0% interest on a debt for a certain amount of time – a great way to make progress!
  • Can get these offers through your current credit card companies – without having your credit scrutinized.

 

Cons:

  • Easy to forget about if you don’t use the credit card often.

 

Consider Balance Transfers if:

  • The interest rate on the card is lower than your current one – try to get 0% if you can.
  • Factor in balance transfer fee (Usually a flat fee or 5% of the balance transferred) when calculating if it's a good money move.
  • You feel you can pay back the balance before the promotional APR ends.

 

 

Debt Consolidation (Payoff)

 

Debt Consolidation is a means to get rid of your debt fast by combining all of your debts into one big loan. One way to do this is through the Payoff Debt Consolidation Loan

 

Typical debt consolidation loans (like Payoff) work by allowing you take out a loan at a different interest rate with a separate company from other creditors, and you use those lower interest funds to pay off your other creditors, thus “consolidating” your debt into one monthly payment on the loan. Here’s the difference between debt consolidation and debt refinance. Debt refinance is for loans (like student/school loans), not revolving debt like credit cards.

 

A debt consolidation loan is offered at a lower monthly payment at a much better rate – meaning you'd save on interest, and have more money in your budget for additional payments. These are a really strategic tool to use in any debt payoff journey.

 

 

For those with a strong credit score, such as 660 and above,  the Payoff loan can be a good option. For those with thin credit profiles, I like to recommend Upstart, as this company factors in work history and school record to give you the best interest rate possible when consolidating credit cards. Click here to learn more.

 

Pros:

 

  • A lower interest rate than your credit cards, so you can pay off debt faster. 
  • You can check your rate in as little as 3 minutes.
  • It has no effect on your credit to check your rate.
  • While it might seem backward to take on debt in order to get out of the debt you've gotten yourself into, it can actually help you save a lot of money in the long run.
  • If you have multiple cards, this allows you to pay them off and have one monthly payment. 

 

Cons:

  • While this can be a great option for many households, it's important to remember that this is still a loan.
  • You're still subject to monthly payments and interest rates, and you'll still experience credit issues if you miss a payment. 
  • Need to double check the interest rates to make sure it's really going to benefit your debt payoff plan. 

 

You should consider debt consolidation if:

  • You consistently make payments on your debt but feel you can't make any real progress. 
  • Your credit card interest rates average above 15%

 

 

Debt Management (Accredited Debt Relief)

 

 

Debt management companies, such as Accredited Debt Relief, work with creditors on your behalf to help you reduce your interest rates and monthly payments. (Sometimes this is referred to as “debt settlement.”) Most debt management plans take 3-5 years to pay off. These companies create plans that help you pay off unsecured debts like medical bills, student loans, and credit cards while allowing you to regain control of your finances.

When considering a debt management company, you'll need to really do your homework: check their license, reviews online, and make sure there are no complaints from the Better Business Bureau. 

 

Pros:

 

  • Many of these companies will help you create a plan that works around your needs and income.
  • You'll know ahead of time what monthly payment you need to make on your debts.
  • For those who aren't familiar with budgets, or who don't have a lot of experience in managing your finances, working with these companies is a great way to create realistic budgets and goals.
  • Credit collectors are also less likely to call you, as they can see that you are working on paying them back.

 

Cons:

 

  • However, you'll want to be careful when deciding to work with a debt management company.
  • Watch out for hidden fees along the way.
  • One of the biggest downsides of using a debt management company is that your credit score is likely to drop. Because these companies renegotiate your financial obligations, they can create late payments or close accounts that you have a good history with. However, this change isn't usually long term and may help you improve your credit in the long run.

 

You should consider debt management if:

  • Your debt has become unmanageable. 
  • You'd like professional help getting out of debt. 
  • You're getting a lot of calls from creditors.

 

 

 

What about debt refinance?

 

  • Debt consolidation means you take multiple loans/ debts and pay them off with one larger loan. 
  • Debt refinance means you take your existing loan and get a new one at a lower interest rate. 

 

You still shop for interest rates for a consolidation loan the same way you do a refinance offer. 

 

You can't refinance credit cards since they're not loans technically, but you can refinance student loans, private loans, and home mortgages. I'm mentioning the difference here because you'll probably see the terms as you're out there exploring ways to potentially lower interests on your existing debt.

 

I like the mention Credible here because they're not a lender, rather they aggregate different loan options for you in one place so you can shop with ease (similar to the way LendingTree does this for mortgage loans.) 

 

 

 

Frequently Asked Debt Questions

 

 

 

 

 

How hard is it to pay off debt fast?

 

It isn’t hard, it just isn’t fun, which can make it hard for people. It’s also hard to scale back on a lifestyle you’re used to living. Most don’t want to make the sacrifices necessary to pay off debt, let alone do it quickly.  One of the biggest criticisms of my story back when it came out was that people assumed it was easy for me to pay off a large amount of debt because I was a single, childless woman making around $60,000 dollars a year.

 

People want to hear debt payoff stories. Still, they often don't want to accept that paying off debt isn't super fun.

 

It's not glamorous, or sexy, and it's often boring and frustrating. It's why a lot of people fail and give up and live their lives in debt.

 

I gave up my social life to freelance write on Friday and Saturday nights to make this happen. I didn't buy anything other than the bare necessities for 90 days.

 

But if I can do it, so can you.

 

 

How long does it take to pay off debt?

 

 

Figuring out how long it takes to pay off debt depends on three factors:

  • how much debt you have
  • how much you extra money you have (after bills) to pay it off
  • how good you are at not adding anything to the balance 

So, it's hard to answer this question because it depends on each individual's circumstances. This article from Debt.com shows how it can take five years to pay off $1,000 if you only make minimum payments. Student loans are often calculated on a ten-year repayment timeline, but again, it often takes borrowers twice as long.

TL:DR – How long does it take to pay off debt? Decades if you only pay the minimums. And play with your own debt payoff timeline using a handy online calculator. This way you can visualize how extra payments can make a difference.

 

What is the fastest way to pay off debt?

 

 

The fastest way to pay off debt is a simple two-step process.

 

  • First, cut up your cards and stop using them. (Seriously, STOP USING YOUR CARDS)
  • Then, do whatever you can to make extra payments. 

 

 

 

How can I pay off debt with no money?

 

 

You can't, really. But here's what you can do when you're trying to pay off debt with no money.

 

 

But eventually you'll have to pay all debts back and that will take real money. This is why I emphasize earning extra cash via side hustles so much. It's the key to any successful debt payoff strategy. 

 

 

If I want to pay off debt fast which should I pay first?

 

 

 

There are many schools of thought on this, some of which I covered in the first section of this article. Many will tell you to pay off your highest interest debt first, but it's up to you.

 

Personally, during my “$8k in 90 Day” challenge, I paid off my smallest balances first. It made me feel like a real badass and helped me build some momentum to help me stick with my goals once I started tackling the larger balances.

 

Again, whatever works for you, but personally, I like the feeling of a few quick “wins” in the battle of the debt war. 

 

 

Is it better to pay off debt or save money?

 

 

 

Again, many schools of thought on this. My personal approach – save up a $1,000 emergency fund first.   (P.S. Here's the difference between a rainy day fund and an emergency fund.)

 

This way you can cover the majority of unexpected expenses and stay out of the paycheck-to-paycheck cycle. After the first $1,000 I would put the bulk of extra money toward debt repayment. Then, once the debt is paid off, I'd resume aggressively saving for my financial goals. 

 

How can I stay motivated when I'm trying to pay off debt fast?

 

 

 

There are five big ways to stay motivated while figuring out how to pay off credit card debt. I like to recommend:

 

 

 

 

  • Select rewards before you start– What will you treat yourself to once you reach this massive goal? What about the smaller milestones along the way? You can record your rewards on my free debt tracking printable.  

 

  • Visualize life after debt  – Honestly, paying off debt is hard, hard, work. Like most things, there will come a time (or two, or three) where you feel like the rewards you have in place just don't feel worth the frustration or the long way you have to go. This is why having an ultimate fantasy to imagine in those rough moments will go along way. 

 


How can I pay off credit card debt fast and then live debt free?

 

 

 

 

It isn’t just about paying off credit card debt. You have to live debt free in order for all of this work to make any difference. The key to remaining debt free once you’ve paid off credit card debt (or student loans, or any kind of debt) is to break the paycheck-to-paycheck cycle. This means you have to spend less than you earn and save the difference.

 

Set up an emergency fund

 

It’s one of the biggest money questions – do I save or pay off debt?  I’ve been there: you pay off all your debt and work hard to do so, and then your car breaks down. Or your dog needs a stitch in his paw, or you break up with your long-term boyfriend and need cash to move out.

This is why it helps to have an emergency fund. Even a small one can go a long way to helping people stay out of credit card debt. Even though experts recommend 3-6 months pay in an account, I suggest starting small. I did this with my $1000 in 45 Day challenge (ha! I love challenges!) and recommend it to all. It’s ideal to have $1,000 saved up before you start paying off debt, but after works too.

 

$1000 can go a long way to fighting off those unforeseen budget-busting expenses.

 

  • So $1,000 in an e-fund
  • Pay off all your debt fast
  • Then save up 3-6 months expenses
  • Move on to other financial goals.

 

Got it?

Live within your means

 

Hopefully, after doing a big debt payoff challenge you’re used to living within your means. Moving forward, in order to avoid debt you’ll have to be okay with living within the lifestyle you can actually afford.

 

  • Pay for vacations in cash
  • Avoid financing when you can
  • Haggle for the lowest interest rate possible when you do need financing
  • Don’t spend more than you earn each month
  • Figure out ways to earn even more and stash away the difference

 

 

 

Conclusion

My life changed once I paid off all my credit card debt. I know the same will happen to you.

The  benefits of paying off debt are numerous:

  • My credit score went up (check yours for free here.)
  • I have more money and freedom in my monthly budget ($600 worth in minimums was what I was paying. It is awesome to have this money back in my budget!)
  • And it is four (yes, FOUR!) less monthly payments to worry about.

Even though I only had to sacrifice my high-falutin’ lifestyle for 90 days, I learned new things about what I can (and can't) live without.) But seriously, go do something you think can’t be done, whether it has to do with money, fitness, relationships….whatever.

Sure it may seem tough at the beginning, but do it anyway. Your future self will thank you.

*this post was originally published on July 10th, 2017. It was updated in February 2019. 

I Paid Off $8,000 in 90 Days (+The Steps I Used to Pay Off Debt Fast)
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    • Alexandra @RealSimpleFinances
    • May 24, 2016

    This is awesome. Thank you for sharing! You motivated me to start my own 90 day challenge. 🙂

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    • Erin Jade
    • May 23, 2015

    Loved reading this, it’s inspiring! I too have some personal debt to clear and my partner’s job is hanging in the balance so I have been hustling to reduce our mortgage enough to refinance and then work on the personal debt. I have looked at it in a similar way to you of starting with the figure and subtracting from there, i find it works a lot better for me. Congratulations on making a full time income from home!

    1. Thanks Erin! And thanks so much for stopping by!

    • amandaabella
    • April 28, 2015

    Fabulous! Congratulations! You’ve just inspired me to do my own little 90 day money challenge 🙂

    1. Let me know how it goes!

    • Mark
    • April 21, 2015

    Am new to the site and I like to hear about how others have dealt with student loan debt. I in my 40’s decided to go back to school and get my degree. Yeah so I finished the degree only by getting student loans. With one child in collage and picking up his student loans I had about 75k. After 42 months I have reduced the student loan debt to 20k. Which will be taken care of by the end of 2016 (a little over a year and a half) in total I will have paid off over 85k. To read how individuals have or are paying off debt is interesting, as what works for one may not work for someone else. What works best for me is to start with the smallest and roll each payment into the next for the snowball effect.

    • Lisa
    • April 20, 2015

    $8k in 90 days is amazing!!! Great job, girl!

  1. one of these days I will be writing a post about how much debt I have paid off in the past few years. Here is a hint, it’s well over 6 figures each year.

    • Hello Pre Nurse
    • April 15, 2015

    That’s amazing! Thanks for sharing what you did to reach this amazing goal. -Kayla

  2. Great job! Your hard work goes to show that if you get serious about debt repayment and really dedicate yourself to it and get creative, debt freedom is possible.

  3. This is absolutely amazing! I’m facing nearly 45k of student loan debt upon graduation in say… oh… two weeks… (EEK) and I love seeing these motivating stories of people knocking their debt down like this. Clearly, it will take me much longer than 90 days to knock out this student loan debt, but it’s good to know it is not an impossible thing to overcome. Good job, go you!

  4. Great job. So does going back to the “high falutun'” lifestyle even seem worth it? Are there things you can live without that you now want to live without?

    • Amy
    • April 15, 2015

    Wow – such an inspirational story! Thanks for sharing your secrets! 🙂

    • Tre
    • April 15, 2015

    Thanks for sharing how you did it. It shows that if you are really motivated, a goal that seems impossible is possible.

  5. Love it! Especially “taught me new things about what I can live without”. This is true. We have been cutting our expenses to save aggressively for our goals and it’s amazing the things that you don’t miss once they are gone. I also like the you set up a reward system. That is a great idea and always helps me when I have a hard goal I have to slog through.

  6. Actually laughed out loud @ the opening of new chequing accounts for bonuses — that is pure genius. I ALWAYS see those offers and other bloggers talk about credit card churning just for rewards and its CRAZY how much free money is out there that only takes a little bit of paperwork (and the discipline to close the account at the end)

    You’ve done really great — and I agree you seem so much more financially empowered over the past 90 days. Killing that debt in such a short time was amazing. Great job!

    • Sylvia @ Professional Girl
    • April 14, 2015

    Congrats on paying off your debt so quickly! I wish I could pay off mine in 90 days. So far I have paid off $5600 with about $17,800 to go. Hopefully, I will be able to be debt free by the end 2015.

  7. This is so inspiring! Thanks for posting this. I find that breaking down my savings goals into smaller monthly goals makes so much sense for me. I have never tried to do the same for a debt goal like this and I think it sounds like a good challenge!

  8. Incredible! Good for you! Super exciting!

  9. I love your story, Lauren! I’ve been feeling debt fatigued lately, but made the most income in April and threw $1200 to debt (a lot for me). I feel more inspired to keep going at this rate or more and move up my debt free date!

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