5 ways to get your debt back on track
Who’s it for: People who are paying off their debt.

What’s it about: Getting back on track when you lose focus.
This is Part 5 in a series. You can read PART 1 HERE.

It’s been a while since I’ve been back to school, but there’s still something about the fall that has that “back to reality” feel, even though I’ve been working all summer. Time to re-evaluate. Time to get down to business.

I’m going to be honest – the summer slipped away and so did my budget, my plans, and my goals. The summer was glorious – don’t get me wrong – but now that the fall reality has set in, I’m feeling a bit disappointed with myself. What happened to my plan of being debt-free by 30? I found myself living in a way that I was really trying to get away from – living too much in the moment without thinking about consequences. This is how we get ourselves into debt, friends. I always want to be as present as I can be, but I also need to live in my own reality. And my reality is that I’m loaded with debt, and I don’t want to live that way.

After some reflection, I knew it was time to take real action. So here it is: my not that fun debt crackdown.


Credit card goes away.

I clearly can’t handle having a credit card, because somehow during my debt-free challenge I ended up increasing my credit limit, and then maxing out the card. UGH! Some financial gurus suggest you cut up your card. I personally am just going to lock mine away – I’m not going to give up over 10 years of credit-building history, thank you very much. It’ll just be away.


Save $1000.

A Dave Ramsay special. Right now I don’t have any savings, and I don’t think that’s a good thing. $1000 will probably be enough to take care of me in any kind of minor emergency.


Save up one month of budget-necessary income.

Alright. I had a budget crack-down. I LOVE giving myself flexibility and room to enjoy my life, but one day I’m also going to love not having to make payments. I’ve made a minimalist budget of $1800/month, and I plan on sticking to it!


Suck it, subscriptions!

Netflix stays, but everything else has gone. I’ve cut my phone bill from what once was $103 per month to about $45 per month. Some things I’ve been lucky enough to save on via family share. Thanks mom & dad!


Track EVERYTHING the old fashioned way.

No more apps. No more automation. Just me, paper, pen, and (let’s be honest), the calculator on my phone.

STEP 6: (bonus step?)

Read all the books and blogs.

I’ve found that I’m having a really difficult time staying focused and motivated on debt payment this time around. I was wondering why, until something hit me like a ton of bricks. What I realized is that by just living day to day, we’re constantly being pulled to consume. Waking up and going to work and coming home is filled with temptations and pressures to spend. Last time I was paying off debt, I was constantly reading through debt payment blogs and books. This time, not so much. I’ve realized that for me, I need for debt payment to be a stronger message in my life than the message to consume, and that takes work. By reading books, blogs, and scrolling through debt-payment Pinterest pages, I can try and counteract the spending pressures with messages of saving, and improve my chances of success.


So where am I at today? My total debt iiiissss: $10,470.29

Am I going to pay off all of that in 3 months? Unlikely. But am I going to make a solid effort? YOU BETCHYA! Wish me luck!

5 ways to get your debt back on track

Want to start getting control of your money? How can I help?

Chris Enns

Chris Enns

Financial Planner/Opera Singer

Money never came naturally to me. In fact… I was a bit of a disaster. I remember (very clearly) what it feels like to be ‘financially out of control’.

And honestly, I still get stressed about money… that doesn’t stop… the difference is that now I have the tools to deal with that stress.

And those tools are what’s made it possible for me to build a life full of the things I want: art, creativity, travel, family and more.

If you want to start getting control of your money I’d love to help. You can start with THIS QUIZ, visiting my GETTING STARTED PAGE by checking out my SERVICES page.