Whether you have student loans, car loans or a pile of credit card debt, you know debt is sucking the soul from your paycheck. Every time that monthly payment rolls around, it’s annoying. It just seems like there’s no way around it other than to hope your boss will give you that well-deserved raise.
Debt Free Millennials: The Foundations Course will teach you how to organize your personal finances to live a debt free life.
My first job right out of college was an advertising internship. I only made $10 per hour when I started to realize that I owed a lot of money to the US Department of Education. The icing on the cake? I moved back in with my parents. This was life after college?? I got pissed. I cussed a little. Then I took that anger and applied it to learning everything there is to know about getting rid of debt as efficiently and quickly as I could. Two and a half years later, I was completely debt free and celebrated with my now-husband in Switzerland. (Paid for in cash, of course.)
What if I told you I can show you how to be a debt free millennial by applying practical steps to your money and your life?
Whether you having $20,000 or $100,000 in debt, my process incorporates your monthly income and helps you categorize your expenses and debts so you can prioritize your money and tell it exactly where to go.
When you tell your money what to do, you are in control and take away unnecessary stress. When you create a mindset for riches, you learn to pay off debt more efficiently and still have room leftover to grab a craft beer with your crew.
💰 Millennials who want to be debt free. Debt seems to be coming from all areas of your life and you’re fed up with not being able to spend money the way you want to spend it.
💸 Millennials who are tired of making monthly payments. Instead of paying $211 to a car loan, $157 to student debt and $70 to a credit card bill, you want to spend your money on stuff you actually care about.
📝 Millennials who are in debt and can’t get organized. There’s plenty of information out there, but no one has clearly told you HOW to start. You want actionable steps that feel freeing not constricting.
💪 Millennials who want control over their money. Look, a beautiful home, a nice ride and indulging in guilty pleasures takes money. You just need a bit of guidance to figure out how to ditch debt and spend like a boss.
I know there are a ton of financial experts out there who are ready to give you some get-rich-quick advice and take a few bucks from you in the process. But here’s the deal. I was just 22 years old when I started the path to a better financial life. I didn’t have a finance degree and I didn’t have a large salary to brag about, but I did have a burning determination to change my future with money. Money doesn’t have to be some icky thing we can’t talk about. I am giving you permission to work on your finances openly and with control.
Once I got intentional with my money and set a few boundaries, I saw a dramatic change in how quickly I was able to pay down debt. I got so laser-focused on the end goal, that at one point I was putting more than 40% of my paycheck towards debt. Oh, and I still got to do what I wanted while I was in debt. I vacationed in Florida, hiked around the Colorado mountains, bought a new mattress (life changing, y’all) and even went scuba diving in Puerto Rico. (Yes, all while paying off debt.)
By the age of 25, Justine Nelson had paid off $35,000 in student loan debt making an average of $37,000 per year. Grit, discipline and a motivation to kick debt's ass for good helped her achieve this goal within two and a half years. Now, she's sharing her strategies and tips with fellow millennials on how to get out of debt, budget without the bitching, and ultimately change your financial future. She believes millennials work too damn hard to be broke all the time and that credit card companies and banks are feeding lies about the way millennials should live. A Kansas City native, this Midwest millennial broke out of debt's chains and now resides in San Diego, California with her husband living the DINK life (Dual Income, No Kids).