Original Show Notes: Credit card debt   Krystel from All She Saves is a young professional living in Minnesota who is doing huge things! Like paying back $77,000 in student loans. She documents her journey to paying off her debt, living life and working full time. Welcome! [2:14] So did Minnesota shut down the same way DC did during the spring snow storm? ·       Did not get any snow [3:37] You lived in student loan payback doom for years as well. What made you change your thinking and decide to pay back your loan so quickly? ·       So many people are in it but don’t talk about it ·       Had over $15,000 of credit card debt ·       Tom, her boyfriend got suspicious of her spending habits [10:15] So you’re paying back an original $77,000- and have gotten down to about $40,000 wow! You paid off $12,000 last year! That’s huge! What sacrifices did you make to accomplish this? ·       Looked at budget and cut anything that wasn’t needed ·       Stopped drinking coffee, eating out [15:1] In your February report, you overspent but you don’t feel guilty about it. Tell us a bit about how you still splurge while paying back this debt. ·       Built in splurge category [19:53] Lots of PF bloggers are all about the side hustle. What side hustles are you doing? ·       Rover- dog sitting app ·       All She Saves has become side hustle [21:45] With the inspiration of your blog, you now have a “Get Out Of Debt” community at your job. How cool! What kinds of things do you guys do? How often do you meet? ·       Got a work message asking if it was her blog ·       Group of 3 who meets once a week ·       Texts each other goals ·       Shares book recommendation Sponsors [24:39] Value Link Round: If you need a writer- call Katie! She can do it for you! Value Link Round (VLR) [25:1] Why do you think people fail at achieving their dreams? ·       Set goals that are too big [28:22] What other books/ podcasts do you recommend? ·       Podcast: ChooseFI ·       Books: You need a budget, the year of less [28:48] What is your favorite quote? ·       Tell me what it is that you plan to do with your one wild and precious life [31:16] Do you have any last advice? ·       You don’t have to live with debt ·       Paying it back is do-able [30:45] Do you have any other books or podcasts you can recommend? ·      Podcast: ChooseFI, Do you even blog ·      Books: Dave Ramsey- the total money makeover, simple path to wealth [31:37] Do you have a favorite quote? ·      Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are. [32:24] Any other last advice? ·      If you’re struggling or in debt- don’t give up Support this podcast at — https://app.redcircle.com/shows/11f32da4-3081-471f-bf51-ea341b89ab1d/tip