How I paid off $11,000 in Credit Card Debt in 3 1/2 months

Can you believe it?, I paid off $11,000 in credit card debt in 3 1/2 months.

Good afternoon Moneyistas,

Yep, that’s right.  I paid off $11,000 in credit card debt in 3 1/2 months. I have NO credit card debt. Thank goodness. It took drive, focus and determination. But, it’s gone. I just paid the last $376.18 off last week.

First let me say I have budget. I know that much hated “B” word budget. But, I’ve had one for years. So I thought to myself.  I need to step back and look at everything I am doing from internet costs to food for myself and food for my two fur babies.

You will need to create a budget to be successful to pay off your debt like I paid off $11,000 in credit card debt in 3 1/2 months.

Several years ago I cut out that not needed landline. Two years ago I stopped paying for cable TV and I changed my cell phone plan.  So where else could I cut?

1. The first place was to look at my food, cleaning supplies and toiletries bill. The thing I noticed most. Because I had gotten lazy. Was an additional $330 per month or more I was spending on quick trip purchases. That I didn’t have on my budget. Which came to more than $1,000. Yep more than a $1,000 bucks. Wow!!

2. Then I looked at my grocery bill.  I had gotten lazy here to. I had stopped sticking to my meal plan and was purchasing food items that did not stretch my budget. And, I decided about a year ago that saving myself time was more important than saving money so I started buying pre-cut up fruit and veggies that in actuality more than doubled the costs for those items.

And I was buying the most expensive chicken cuts.  So that was another $280 per month. Another $1,000 bucks saved.  I also decided to change grocery stores.

3. Yes, grocery stores.  I have shopped at Aldi, Safeway, Publix and many other dollar savers and premium grocery stores. But, the truth is I was focused on saving time. So I would go to the one that had everything I purchased and I could get in and out quicker. But, I was paying a premium for it.  This change alone saved $900. It took me 5 more hours total in the 3 1/2 month period.

4. Toiletries and Makeup. I know everybody says that there is a racked on these products because no matter where you go they cost what they cost.  Do I agree with that?  yes and no. I just know DON’T ever pay full price for these items. I went back to using coupons (only if they really reduced the cost of the items and was less than another brand) Sometimes coupons are miss leading.

I also bought in bulk for toilet paper and paper-towels, shampoo and conditioner. I purchased the items I could in bulk. Including laundry soap, dryer sheets and I no longer use my dishwasher.  I purchased the other items from Dollar General or Walgreen’s. Yes Walgreen’s. I used my reward points. And they always mark items down.

But, as far as makeup. Beauty items are so over priced. First I looked at the makeup and beauty products I already had. I am using those for now. And I will not need to buy makeup for another 6 months except for mascara. I do purchase mascara every 3 months and lipstick every 3 months and I only pay $5 or less for a premium brand lipstick.

And I do not buy pink razors. Ever heard of the thing called the pink tax? technically it’s not an additional tax but because it is pink and specifically for women it cost more than for a man. So I buy blue.

 Total savings is another $1,000.

As you can read the top 4 items I have saved $3,900 and applied it toward my credit card debt.

But, you ask how much has it cost you in time and quality of food and life? It has cost me more time. For shopping and cutting up my own fruits and veggies. Which I have found to be relaxing so my stress level is down. I’ve stopped buying diet soda. That I didn’t need. And I’ve gone back to preparing and taking my lunch to work with me again. Which is healthier.  So all in all everything is better.

So you asked where did the other $7,100 come from? From my regular job, savings and side hustle income. Including this blog.

Pay off $11,000 in credit card debt

I am a published author. Of fiction and non-fiction books and I have a couple books on Audible with Amazon. And on many main bookstore websites. Amazon and Barns and Noble and many others.  A couple of my fictions book links are below if you would like to check them out.

Song of the Red Wolf      

The Halcyon Saga

Yes, I have already earned money from this blog only $2,717 through affiliate marketing. But, hey that’s not peanuts to me. And I paid off $11,000 in Credit Card Debt in 3 1/2 months

In summary:  I need to stick to this plan that I am on now. I need to replenish my savings and continue to increase my income through blogging with this website and continue to grow with my books and add digital products.

Most importantly I need to stay mentally tough, mentally focused. And not let anyone or anything stop me. I’ve done it before I can do it again.

I forget who made this comment: “Live today like nobody else, so you can live tomorrow like nobody else.”  Meaning stay focused make sacrifices now so that you can have the life you’ve always wanted to live tomorrow.”

I use football analogies a lot. What can I say, I love football. But, football players especially quarterbacks have to stay focused. As Jalen Hurts said “for quarterbacks, we have to stay mental focused at all times, I’m driving the bus are you going to get on?” “quarterbacks  not only have to know their offensive plays, but must be able to read the opposing defense and have to know where every player on offense is supposed to be and what every player is supposed to do.”

My whole point to this is. How mentally tough are you? Can you stay focused with me? I believe you can and I believe in you. You can get out of debt. It will not be easy, but it can be done. I did it. I paid off $11,000 in credit debt in 3 1/2 months.

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  1. Jo


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