Why Your Debt Free Journey is BETTER Than Your Results

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When I first began my debt free journey, the mountain of debt standing in front of me and a list of financial bad habits I had to unlearn, made me feel this journey was impossible. The only thing that kept me motivated was running my numbers on my spreadsheet and looking at my “end”. I made mock budgets of what I could with all that extra cash!

I would daydream of what I could do with those extra bucks and those daydreams were the place I’d find happiness when my journey felt abnormally challenging.

But, upon returning to reality, I came back mad at my debt and motivated me to get rid of it faster. I got creative with side hustles and sold items for additional income. 

I learned many painful lessons during this journey, but the pain is what embedded the lesson in my brain.

I made subtle changes at first, like packing my lunch, saying no to my coffee addiction, brewing at home, and staying away from social media accounts that made me more inclined to spend money. I continued to implement these habits into my daily life, with occasional slips, like forgetting to bring my lunch and having to buy lunch at work.

In retrospect, my “end goal” was what I was focused on BUT the most important part of my journey were the daily/weekly/monthly habits I implemented into my life. My journey was HARD and changed me as a person. Those little habits added up and were essential to me becoming debt free. 

You won’t realize while you’re working through it, so love your struggle, because that’s the real reward.

There is so much beauty in your struggle and the journey. Looking back at the sacrifices and all the work you put into your habits will leave you in awe. The destination seems the most desirable, but what you do to get there is truly what matters. You now have these habits that will be part of your post debt life. Those mock budgets and all the additional cash that was going to your debt will be managed with intention and be used as a powerful tool to build a life you love!


Start of Journey

Dissecting and realizing the amount of debt you have to tackle.


Putting a Plan in Place

Figuring out a way to piece meal this into manageable pieces to achieve your goal of paying off debt.


Staying Consistent

Continuing to stay the course and celebrating small wins to staying consistent.


Accepting You’re Not Perfect – and that’s OKAY

You will mess up the budget or do things that may mess up some progress and it’s completely okay. Identify the error and decide how you will make better decisions that align with your goal.


Becoming Debt Free

Seeing that mountain of debt hit $0 will be one of the most amazing feelings of your life but it does not stop there. You now have the tools you need to manage your income and build the life you love!


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Valery Vargas

Valery is a 30 something millennial, Latina, entrepreneur at heart, first time mama, real estate investor, bookworm, board game enthusiast, and dreamer.

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