At the beginning of the year, everyone talks about At the beginning of the year, everyone talks about setting goals. Honestly, setting goals is easy. You can set any goal you want to. You can write it in a journal, keep it to yourself, or even tell your friends.

But how often do we actually set a plan with smaller, short team goals to build upon while reaching our end-of-year goal? At the end of the year, we typically think back on whether or not we met the goal we set at the beginning, and the result just is what it is.

Instead, I want to help you learn how to make a plan to *realistically* reach the goals you set at the beginning of the year.

✍️ Quantify your goals (ie. I want to write X blog posts this year, I want to make $X this year, I want to make 3 new friends this year, I want to be able to lift X lbs this year).

✍️ Now that you've quantified your goals for the year, break that number down by the month (if you want to make $12,000 for your small business by the end of the year, you'll need to make $1000 each month. You can also break this down further into smaller, weekly goals).

✍️ Now, outline the steps you'll take on a weekly basis to reach your monthly goal.

✍️ Also note some hindrances you think you might face and how you plan to navigate them.

✍️ Revisit your goals on a weekly and monthly basis and consistently track if you're meeting your goals, exceeding them, or if you need to change your strategy in order to hit your mark.

✍️ Keep a journal of your wins and woes - it's important to recognize what's working well and mistakes that you can learn from!

These are all things I've learned in my work as a content marketing manager at a growing startup where measuring growth is *extremely* important. 

It may seem intimidating, but I've found that being organized in this way actually helps to clear my head and provide clarity on what I should prioritize and how I can realistically reach lofty goals.

Love you guys and hope this helps!
3 things I did this week to feel *better*: 1. I p 3 things I did this week to feel *better*:

1. I put the scale away. Don't get me wrong, I'm still working out regularly and watching my portions and sugar intake, but I'm not letting myself feel discouraged in the midst of building healthy habits. It's just not helpful and it's not about the number anyway.

2. Josh and I organized and decluttered the house. Is it weird that this really improves my mood while working from home??

3. I responded (ok tried to) to emails/texts faster. I'm the type who, if I don't know the answer or the best way to respond, I'll let it sit for a while and mildly stress me out until it's either too awkward to respond or I respond way late. I'm working on just responding quickly, even if it's imperfect. 

Do you struggle with any of these things?? 

Ps this is my favorite new @acta.wear top! Use my code CHELSEA20 for 20% off 👏
What are you currently reading? I admit I'm pretty What are you currently reading? I admit I'm pretty bad when it comes to picking up books but I love me a good audio book! It feels extra productive when I listen because it's automatic multi tasking 😄 I'm currently reading 1 Samuel, Atomic Habits, and Managing Up ☝️

Ps. Swipe for Chelsea Damon presets before and after! Grab the presets individually or in a pack at chelseadamonpresets.com (🔗 in bio).
#ad 2021 for me is going to be all about intention #ad 2021 for me is going to be all about intentional decision making and living joyfully in the in between moments. #ad ONE Bars give me the chance to fill up on something I know is a good choice, with only 1g of sugar and 20g (!!) of protein! Psst, the Blueberry Cobbler is my favorite 😋 Stock up on all the delicious ONE Bar flavors!

 https://lnk2.io/w97K9YV #TasteONEtoBelieveONE #YouveFoundTheOne @ONE1Brands #onebar
Swipe ➡️ to get a better look at that view! Th Swipe ➡️ to get a better look at that view! Then swipe ↩️ to get a look at the handsomest kid I know!
I've never been a huge fan of new years resolution I've never been a huge fan of new years resolutions. My thinking has typically been, "If you want to change for the better, just start." But I will say, this year I want to do better at always seeing the bright side and the opportunity - of taking responsibility. I have a tendency to play the victim when things don't go my way or if my goals are more difficult than I expected. This year, I want to joyfully and patiently work towards my goals as well as enjoy the moments of rest in between. I also want to give more of myself and my resources: to my family, to our church family, and to those in need. 

What's a goal of yours for 2021?

"She rises while it is yet night and provides food for her household and portions for her maidens.  She considers a field and buys it; with the fruit of her hands she plants a vineyard.  She dresses herself with strength and makes her arms strong.  She perceives that her merchandise is profitable. Her lamp does not go out at night.  She puts her hands to the distaff, and her hands hold the spindle.  She opens her hand to the poor and reaches out her hands to the needy.  She is not afraid of snow for her household, for all her household are clothed in scarlet."

Proverbs 31:15‭-‬21 ESV
So we're past the longest night of winter, that me So we're past the longest night of winter, that means it's almost spring right??
I will never be a cold weather person 🥶
Rainy in a nutshell 👉 😄 Merry Christmas ever Rainy in a nutshell 👉 😄 Merry Christmas everyone!!
It started when we were younger and you were mine It started when we were younger and you were mine
MY BABY 
😭
And it's now stuck in your head you're welcome 🤗
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Family, Finances, Life & Finances, Marriage, Uncategorized, Work · January 25, 2020

How We Paid off $30,000 in Debt and Saved up for a Down Payment in 2.5 Years

How to pinch pennies and save for big goals. 

First, the stats. In August 2017, Josh and I and our two kiddos moved in with his parents. At that time I had about $50,000 in student loans, $0 credit card debt, and $0 car payments (we sold our car just before we moved) but we also had maybe $1000 in savings? I honestly don’t remember. Since that time, we’ve been able to pay off about $30,000 in student loans, save up about $20,000 for a down payment on a home, not to mention pay a whopping $5,000 *unexpected* medical bill. Oh, and fly across the country for like 4 weddings.

Now, let me start with a little background. As I mentioned, about two and a half years ago, Josh and I moved in with his parents so we could start saving up to buy a home of our own here in Washington. Our goal at the time wasn’t even to start paying off the $50,000~ we (ok, I) had in student loans at the time.

First things first

We very quickly realized that that’s where we should start. So we pushed back our original timeline of when we would move out (something we would do several more times throughout the process) and started throwing whatever extra money we had each month towards my loans with the highest interest rates.

Now, it took us about 6 months to even start paying extra money towards my loans because up until that point, our family had been surviving on my small blogging income (which is doable when you’re living in your parents house). Six months after we moved in, however, I started working remotely for a tech startup in NY. This is when we were finally able to start making some headway. 

Here are a few tips and practices we used along the way that made paying off our debt more of a habit than a burden:

Don’t have a credit card… or at least pretend you don’t

Sure, this is easier said than done, but it is doable and so extremely important. If you do have credit card debt, I’d suggest working towards paying that off first. Dave Ramsey, whose principals we loosely followed, would tell you to make a list of all your individual loans and debts and work towards paying off the smallest debt first, then the next smallest, and so on. If that’s your credit card, then start there. If it’s a student loan, then start there (some of my student loans had 10% and 11% interest rates!!!!).

Staying away from credit card debt comes down to really only paying what you can afford at the time you want to buy. Josh and I *kind of* lived by this principal. We made most of our purchases with a travel rewards credit card so we could earn miles with our favorite airline, but we treated it light a debit card in that we paid it off very quickly. It was also the first thing we paid off every paycheck. We never wanted to be tricked by the illusion of having money when really it was owed to someone else. 

I always felt so much satisfaction whenever I saw that credit card balance drop back to 0 and almost in a way felt competitive about it. When I saw the balance start to wrack up, I felt stressed and annoyed that we let that happen.

Morale of the story, pay for what you can afford. Things won’t make you happier. If you feel like you really want something in the moment, wait a day or two to buy it and see if you feel the same later. You may save yourself from making unnecessary purchases in the moment.

Make sacrifices

I touched on a rather obvious point in the beginning of this post and that’s the fact that we – a family of four with our youngest only being three months at the time – moved in with Josh’s parents. And we’ve been here for about 2.5 years. Whenever someone tells us “Wow you guys are going to be in great shape when it comes time to buy a house!” I say with a huge smile, “We better be after living with our parents for this long!.”

Seriously though, saving up enough money to pay off loans and save for a down payment doesn’t come without sacrifices. It means finding the most affordable living conditions possible. It means working more. Making food and coffee at home. Finding the cheaper gym membership and potentially homeschooling or sending your kids to public school. 

It also very much means saying a big fat NO to lots of purchases, trips, services, what have you. Josh and I spent the last couple years driving a very dinky hand-me-down car with hawaiian print seats. At times, it was embarrassing to drive. Could we have afforded to buy a car? For sure. But we had a car (dinky as it was) that was free, got us to where we needed to go, and allowed us to put even more $$ towards debt and savings each month. 

Society will make you feel as though certain things are needs. Like a new phone, nice jeans, a new car, a big living space. The reality is, nobody needs those things, and they all come at a cost. It’s not that those things are bad, but they’re never needs and they won’t make you any happier on their own.

Making sacrifices is hard and, trust me, it does get frustrating saying no all the time. But it’s extremely worth it in the long run.

Create a budget

Josh and I rarely ever do anything by the rules. I believe that when people want to save money, they need to really understand how much they can trust themselves. Really.

I used a Everydollar to keep track of money coming in and out each month. It’s so easy to loose track of how much you spend in a certain category like eating out, coffee shops, clothes, cosmetics, etc. Everydollar, while retroactive, always made me realize when I spent more than I should and because of that knowledge, I would tighten up the reigns next month. 

Now, you may be the type of person who needs to withdraw Xamount of cash for eating out each month and when that cash is gone, no more eating out and if you don’t you’ll undoubtedly spend more than you should. Like I said, the key is knowing yourself. If you’re the type who’ll take a mile if you give yourself an inch, then you’re going to need to be strict to reach your goals. If you’re pumped about saving every penny you can, then you might not need to be so strict. 

In any case, it’s important to keep track of exactly where your money is going each month and there are a lot of tools that are great for doing that. Everydollar is my favorite because I find it extremely user friendly and in 2020, I have no patience for SaaS products that aren’t. You choose what works best for you.

Work more

Now, depending on how fast you’d like to get out of your current situation, you may or may not be motivated to work extra hours to reach your goal faster. The logic is simple. Work more = earn more $$ = pay off/save more. So that’s what I did. On top of earning an income with blogging and Instagram, I used those very same skills to get a full time job. 

That in and of itself was a big sacrifice. I would have loved to use all my creative energy towards my own blog, but in reality that just wasn’t going to cut it if we wanted to move into our own home as soon as I wanted. And I really wanted that. In the end, I actually ended up loving my job, my coworkers, and I learned a lot of new skills that could help me in my side job as well. So it’d say it was well worth it.

So whether you or your spouse take on extra work in order to throw most or all of that extra income towards paying off debt, again, it’s going to be hard but worth it!

All extra money makes a b-line to your debt

As you can imagine, it would feel pretty good anytime we saw some money in the bank even after all credit cards and bills were paid. But even if we did have extra money in the bank after that, it went straight towards our debt. Josh and I didn’t even consider it to be our money. I usually left a small cushion in our bank account if I could, and then paid as much as I could towards the principal of the loan with the highest interest rate. 

If extra money came in for birthdays, Christmas, side jobs – whatever – it went towards my loans. One year, we got about $7,000 from a tax return. Guess where 100% of it went? My student loans. Once we paid off all of my private student loans (about half our debt was Sallie Mae loans with insane interest rates and half were federal loans with much more reasonable rates) we shifted our focus towards saving up for a down payment. Even then, almost all extra money each paycheck went into a savings account where withdrawals and transfers were FORBIDDEN.

In conclusion,

Be obsessed with your goals. And enjoy the process in the meantime.

I’ll be the first to say that I haven’t always been patient throughout our journey of paying off debt and saving. There were so many days when I wanted to jump ship and take out a loan for whatever house I could afford at the time and get in my own place as soon as possible (working from home while living in a very full house is no joke). But again and again Josh reminded me that we were working towards something better. Better for us and better for our kids. And I’m so glad I reluctantly listened to him. 

Also take time to celebrate your wins. Like I said earlier, working towards paying off debt takes a lot of sacrifices and you’ll burn out if you never celebrate the progress you’re making. So, when you pay off a big debt, go out for dinner, celebrate with your family, enjoy the “meantime” knowing that you’re creating a radically different future for yourselves! 

How we paid off $30,000 in debt and saved up for a down payment in 2.5 years

In: Family, Finances, Life & Finances, Marriage, Uncategorized, Work · Tagged: debt, fastest way to pay off debt calculator, how to pay off debt calculator, how to pay off debt collectors, how to pay off debt fast, how to pay off debt in a year, how to pay off debt in collection, pay off debt, quickly, save up for a house, show to pay off debt with no money

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Comments

  1. Sarah says

    September 3, 2020 at 6:23 am

    Congrats on such a huge accomplishment!! My husband and I are doing something very similar. Our baby is about to turn 4 months old and we are staying with my parents to be able to pay off debt and save some money for our own home. Our original plan was to get out of here quick and just rent if needed, but buying is what we would so much rather do. With us working from home and my siblings going to school from home it has been hectic. And it is hard to admit you’re living with your parents when you have your own family that is growing. But when we stay focused on the positives and the beauty of the extra time with our loved ones it is so much easier to enjoy the journey. Thank you for sharing and being transparent! God bless y’all!

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Hi! I'm Chelsea and we're the Damon's. We spent the last two years in WA state paying off student loans and just bought our first house in SC! I love a smooth black coffee, Josh's first love is the Seattle Sounders. Our kids are huge dorks and constantly make us laugh and we all love spending as much time outside as possible.

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At the beginning of the year, everyone talks about At the beginning of the year, everyone talks about setting goals. Honestly, setting goals is easy. You can set any goal you want to. You can write it in a journal, keep it to yourself, or even tell your friends.

But how often do we actually set a plan with smaller, short team goals to build upon while reaching our end-of-year goal? At the end of the year, we typically think back on whether or not we met the goal we set at the beginning, and the result just is what it is.

Instead, I want to help you learn how to make a plan to *realistically* reach the goals you set at the beginning of the year.

✍️ Quantify your goals (ie. I want to write X blog posts this year, I want to make $X this year, I want to make 3 new friends this year, I want to be able to lift X lbs this year).

✍️ Now that you've quantified your goals for the year, break that number down by the month (if you want to make $12,000 for your small business by the end of the year, you'll need to make $1000 each month. You can also break this down further into smaller, weekly goals).

✍️ Now, outline the steps you'll take on a weekly basis to reach your monthly goal.

✍️ Also note some hindrances you think you might face and how you plan to navigate them.

✍️ Revisit your goals on a weekly and monthly basis and consistently track if you're meeting your goals, exceeding them, or if you need to change your strategy in order to hit your mark.

✍️ Keep a journal of your wins and woes - it's important to recognize what's working well and mistakes that you can learn from!

These are all things I've learned in my work as a content marketing manager at a growing startup where measuring growth is *extremely* important. 

It may seem intimidating, but I've found that being organized in this way actually helps to clear my head and provide clarity on what I should prioritize and how I can realistically reach lofty goals.

Love you guys and hope this helps!
3 things I did this week to feel *better*: 1. I p 3 things I did this week to feel *better*:

1. I put the scale away. Don't get me wrong, I'm still working out regularly and watching my portions and sugar intake, but I'm not letting myself feel discouraged in the midst of building healthy habits. It's just not helpful and it's not about the number anyway.

2. Josh and I organized and decluttered the house. Is it weird that this really improves my mood while working from home??

3. I responded (ok tried to) to emails/texts faster. I'm the type who, if I don't know the answer or the best way to respond, I'll let it sit for a while and mildly stress me out until it's either too awkward to respond or I respond way late. I'm working on just responding quickly, even if it's imperfect. 

Do you struggle with any of these things?? 

Ps this is my favorite new @acta.wear top! Use my code CHELSEA20 for 20% off 👏
What are you currently reading? I admit I'm pretty What are you currently reading? I admit I'm pretty bad when it comes to picking up books but I love me a good audio book! It feels extra productive when I listen because it's automatic multi tasking 😄 I'm currently reading 1 Samuel, Atomic Habits, and Managing Up ☝️

Ps. Swipe for Chelsea Damon presets before and after! Grab the presets individually or in a pack at chelseadamonpresets.com (🔗 in bio).
#ad 2021 for me is going to be all about intention #ad 2021 for me is going to be all about intentional decision making and living joyfully in the in between moments. #ad ONE Bars give me the chance to fill up on something I know is a good choice, with only 1g of sugar and 20g (!!) of protein! Psst, the Blueberry Cobbler is my favorite 😋 Stock up on all the delicious ONE Bar flavors!

 https://lnk2.io/w97K9YV #TasteONEtoBelieveONE #YouveFoundTheOne @ONE1Brands #onebar

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At the beginning of the year, everyone talks about At the beginning of the year, everyone talks about setting goals. Honestly, setting goals is easy. You can set any goal you want to. You can write it in a journal, keep it to yourself, or even tell your friends.

But how often do we actually set a plan with smaller, short team goals to build upon while reaching our end-of-year goal? At the end of the year, we typically think back on whether or not we met the goal we set at the beginning, and the result just is what it is.

Instead, I want to help you learn how to make a plan to *realistically* reach the goals you set at the beginning of the year.

✍️ Quantify your goals (ie. I want to write X blog posts this year, I want to make $X this year, I want to make 3 new friends this year, I want to be able to lift X lbs this year).

✍️ Now that you've quantified your goals for the year, break that number down by the month (if you want to make $12,000 for your small business by the end of the year, you'll need to make $1000 each month. You can also break this down further into smaller, weekly goals).

✍️ Now, outline the steps you'll take on a weekly basis to reach your monthly goal.

✍️ Also note some hindrances you think you might face and how you plan to navigate them.

✍️ Revisit your goals on a weekly and monthly basis and consistently track if you're meeting your goals, exceeding them, or if you need to change your strategy in order to hit your mark.

✍️ Keep a journal of your wins and woes - it's important to recognize what's working well and mistakes that you can learn from!

These are all things I've learned in my work as a content marketing manager at a growing startup where measuring growth is *extremely* important. 

It may seem intimidating, but I've found that being organized in this way actually helps to clear my head and provide clarity on what I should prioritize and how I can realistically reach lofty goals.

Love you guys and hope this helps!
3 things I did this week to feel *better*: 1. I p 3 things I did this week to feel *better*:

1. I put the scale away. Don't get me wrong, I'm still working out regularly and watching my portions and sugar intake, but I'm not letting myself feel discouraged in the midst of building healthy habits. It's just not helpful and it's not about the number anyway.

2. Josh and I organized and decluttered the house. Is it weird that this really improves my mood while working from home??

3. I responded (ok tried to) to emails/texts faster. I'm the type who, if I don't know the answer or the best way to respond, I'll let it sit for a while and mildly stress me out until it's either too awkward to respond or I respond way late. I'm working on just responding quickly, even if it's imperfect. 

Do you struggle with any of these things?? 

Ps this is my favorite new @acta.wear top! Use my code CHELSEA20 for 20% off 👏
What are you currently reading? I admit I'm pretty What are you currently reading? I admit I'm pretty bad when it comes to picking up books but I love me a good audio book! It feels extra productive when I listen because it's automatic multi tasking 😄 I'm currently reading 1 Samuel, Atomic Habits, and Managing Up ☝️

Ps. Swipe for Chelsea Damon presets before and after! Grab the presets individually or in a pack at chelseadamonpresets.com (🔗 in bio).
#ad 2021 for me is going to be all about intention #ad 2021 for me is going to be all about intentional decision making and living joyfully in the in between moments. #ad ONE Bars give me the chance to fill up on something I know is a good choice, with only 1g of sugar and 20g (!!) of protein! Psst, the Blueberry Cobbler is my favorite 😋 Stock up on all the delicious ONE Bar flavors!

 https://lnk2.io/w97K9YV #TasteONEtoBelieveONE #YouveFoundTheOne @ONE1Brands #onebar
Swipe ➡️ to get a better look at that view! Th Swipe ➡️ to get a better look at that view! Then swipe ↩️ to get a look at the handsomest kid I know!
I've never been a huge fan of new years resolution I've never been a huge fan of new years resolutions. My thinking has typically been, "If you want to change for the better, just start." But I will say, this year I want to do better at always seeing the bright side and the opportunity - of taking responsibility. I have a tendency to play the victim when things don't go my way or if my goals are more difficult than I expected. This year, I want to joyfully and patiently work towards my goals as well as enjoy the moments of rest in between. I also want to give more of myself and my resources: to my family, to our church family, and to those in need. 

What's a goal of yours for 2021?

"She rises while it is yet night and provides food for her household and portions for her maidens.  She considers a field and buys it; with the fruit of her hands she plants a vineyard.  She dresses herself with strength and makes her arms strong.  She perceives that her merchandise is profitable. Her lamp does not go out at night.  She puts her hands to the distaff, and her hands hold the spindle.  She opens her hand to the poor and reaches out her hands to the needy.  She is not afraid of snow for her household, for all her household are clothed in scarlet."

Proverbs 31:15‭-‬21 ESV
So we're past the longest night of winter, that me So we're past the longest night of winter, that means it's almost spring right??
I will never be a cold weather person 🥶
Rainy in a nutshell 👉 😄 Merry Christmas ever Rainy in a nutshell 👉 😄 Merry Christmas everyone!!
It started when we were younger and you were mine It started when we were younger and you were mine
MY BABY 
😭
And it's now stuck in your head you're welcome 🤗
How often do you let your kids in to what it's lik How often do you let your kids in to what it's like to manage life as an adult? To work, budget, to eat healthy not because you have to but because you want to, to give to others, to spend time in the word, to forgive even when we don't feel like it...

I think it's so important to model and help our kids see the every day choices that are not always easy but make a huge difference in the long run. Ie. eating out less = more $$ in the bank to buy meals for the homeless or to bring a child in who need a home. Josh and I don't always feel like cooking, but it's easier when we remember we're working towards greater things ❤️

In a world of instant gratification, what are we teaching our kids to work and wait for?

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