The Whitleys followed the Dave Ramsey Baby Steps program, specifically utilizing the :
moved into his father's basement and lived on just $500 a month to pour $3,000 monthly into his student loans. Strict Budgeting debt free management
By February 2019, they were completely debt-free. At the peak of their journey, they were applying nearly toward their debt—an amount Michelle noted "normal" people would spend on a monthly vacation. The Whitleys followed the Dave Ramsey Baby Steps
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lowered her debt-to-income ratio by asking "is this a necessity or a want?" before every purchase. Consolidation
used a spreadsheet to track every cent, allowing her to pay off $42,000 in 22 months.
: They then tackled a $300 furniture loan followed by three credit cards totaling $21,000.