E59 – Krystel from All She Saves

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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.


[2:14]聽So did Minnesota shut down the same way DC did during the spring snow storm?
路聽聽聽聽聽聽 Did not get any snow
[3:37]聽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?
路聽聽聽聽聽聽 So many people are in it but don鈥檛 talk about it
路聽聽聽聽聽聽 Had over $15,000 of credit card debt
路聽聽聽聽聽聽 Tom, her boyfriend got suspicious of her spending habits
[10:15]聽So you鈥檙e paying back an original $77,000- and have gotten down to about $40,000 wow! You paid off $12,000 last year! That鈥檚 huge! What sacrifices did you make to accomplish this?
路聽聽聽聽聽聽 Looked at budget and cut anything that wasn鈥檛 needed
路聽聽聽聽聽聽 Stopped drinking coffee, eating out
[15:1]聽In your February report, you overspent but you don鈥檛 feel guilty about it. Tell us a bit about how you still splurge while paying back this debt.
路聽聽聽聽聽聽 Built in splurge category
[19:53]聽Lots of PF bloggers are all about the side hustle. What side hustles are you doing?
路聽聽聽聽聽聽 Rover- dog sitting app
路聽聽聽聽聽聽 All She Saves has become side hustle
[21:45]聽With the inspiration of your blog, you now have a 鈥淕et Out Of Debt鈥 community at your job. How cool! What kinds of things do you guys do? How often do you meet?
路聽聽聽聽聽聽 Got a work message asking if it was her blog
路聽聽聽聽聽聽 Group of 3 who meets once a week
路聽聽聽聽聽聽 Texts each other goals
路聽聽聽聽聽聽 Shares book recommendation


[24:39]聽Value Link Round: If you need a writer- call Katie! She can do it for you!

Value Link Round

[25:1]聽Why do you think people fail at achieving their dreams?
路聽聽聽聽聽聽 Set goals that are too big
[28:22]聽What other books/ podcasts do you recommend?
路聽聽聽聽聽聽 Podcast: ChooseFI
路聽聽聽聽聽聽 Books: You need a budget, the year of less
[28:48]聽What is your favorite quote?
路聽聽聽聽聽聽 Tell me what it is that you plan to do with your one wild and precious life
[31:16]聽Do you have any last advice?
路聽聽聽聽聽聽 You don鈥檛 have to live with debt
路聽聽聽聽聽聽 Paying it back is do-able
[30:45]聽Do you have any other books or podcasts you can recommend?
路聽聽聽聽聽 Podcast: ChooseFI, Do you even blog
路聽聽聽聽聽 Books: Dave Ramsey- the total money makeover, simple path to wealth

[31:37]聽Do you have a favorite quote?
路聽聽聽聽聽 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]聽Any other last advice?
路聽聽聽聽聽 If you鈥檙e struggling or in debt- don鈥檛 give up

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