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22 Feb 2019

Single Mom Pays off $46,000 in Debt in Just over a Year

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by Shannon Marie

“The little bits, they end up being a lot.”

Siobhan lives in Jacksonville, Florida, with her two kids, ages eight and 15. She came to YNAB looking for a solution to her debt—$60,000+ in student loans and $16,000+ in credit card debt. Flash forward, and she’s already crushed $46,000 of her debt, and she’s on track to pay the last $30,000 off by the end of 2019.

What a difference a couple of years can make! And, not just in regards to money …

Siobhan said, “I feel like it has actually made me a better parent because I’m not stressed out about finances … that level of stress just really puts a damper over everything, and it doesn’t really leave you. I definitely feel like I can be more present in the moment with my kids.

Find out how she’s beating her debt by tuning in to this episode of Debt Stories:

Get this episode’s transcript here.

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If you enjoyed Siobhan’s interview, subscribe to the YNAB podcast for more Debt Stories. Find us on iTunes, SoundCloud or wherever you get your podcasts, and please leave us a review!

Do You Have a Debt Story?

Wanna know what’s better than an amazing debt makeover story? Several debt makeover stories! If you’re a YNABer and you’d be willing to let Jesse interview you for a future episode, write to us at [email protected]. In your email, include a short paragraph or a few bullets about your financial hurdles and how you overcame them.

Related Articles

How to Manage a Credit Card, Any Credit Card, in YNAB

January 23, 2019 | by Shannon Marie

How One Couple Paid off $30k in Just 15 Months

July 13, 2018 | by Shannon Marie

Your Next Step

Remember, budgeting is not restrictive. You won’t be spending less, you’ll be spending right. You can do this! Today. Right now. What do you have to lose? Except all that debt and stress. (Ok, so kind of a lot.)

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