How I Paid Off $10,000 in Two Months

How to Pay Down Debt Quickly

Can I tell you a secret? My household debt totals nearly $200,000.

Yep, you read that right, there are five zeros there.

I want to share another secret with you, though and thatโ€™s how Iโ€™ve paid off over $10,000 of my debt in the last two months and how I will be debt free by 2018.

Things I didn’t do: win the lottery, sell a kidney (or a child), rob a bank, or become a drug lord.

In fact, our household only nets $4,000/month between our two “real” (out of the house) jobs. Despite this, we are well on our way to becoming debt-free by 2018!

Over the course of a week I shared a new tip every day so you too can get a huge jump start on your adventure to get out of debt!

(UPDATE: I’ve since quit my job to become a full-time WAHM – Read about that here!)

Check out the sections here:

  • Part 1Why I’m Anti-Snowballs
  • Part 2Maximizing Your Tax Refund
  • Part 3Developing Additional Income Streams
  • Part 4Making Credit Work for You
  • Part 5Identify Why You Buy
  • Part 6 (Re)Define Your Budget

Share with me in the comments below:

What would your life look like if you had $10,000 less debt?


  • Sara Reply

    Wow! That’s amazing! We’ve been wanting to start Dave Ramsey’s debt free challenge for the last several months, but each month ends the same – tried to start, haven’t started = wheels turning.

    • Thrifty Guardian Reply

      Well hopefully this series will provide you with the extra little bit of motivation you need to get started! ๐Ÿ™‚

  • com111llcc Reply

    Looking very forward to this.

    • Thrifty Guardian Reply

      I’m glad! I am, too. I’m super excited to share it with everyone!

  • diyjahn Reply

    My wife and I recently paid off $23,000 in less than 4 months! It takes a lot of work, but it definitely is worth it. Like you, we started with almost $200,000 in debt as our journey began and are now working to pay it down by 2019 (that”s our big goal), but I’m impressed that you’re going for 2018! I’ll definitely be following your journey. ๐Ÿ™‚

    • Thrifty Guardian Reply

      That is so awesome!! You know I follow your site as well and we definitely have quite a lot in common. I’m excited for the both of us as we wrangle our financial states into submission!

      • diyjahn Reply

        I’m always surprised at how much you and I have in common. I love it. ๐Ÿ™‚ Looking forward to see what your new tips are!

    • Thrifty Guardian Reply

      Me neither!! I’m super excited to share with everyone!

      The first step is due to go live at 6 a.m.

      I scheduled it because I’m living on the dream that my oh-so-sweet two year old will sleep in. Heh a mom can dream, right?

  • livebysurprise Reply

    That’s so exciting! A lot of work – but totally worth it!

    • Thrifty Guardian Reply

      It really hasn’t been as hard as you might think. The biggest “time suck” has been developing this series to share with everyone! heh Fortunately it’s something I VERY much enjoy, so it’s been well worth the time.

  • Rosemond Reply

    That’s an inspiring number. Wow, good for you!

  • Stacy Doerksen Reply

    thank you for all the information, idk if my little brain can get it all, but i am thankful for reading it

    • Thrifty Guardian Reply

      Aww don’t say that! I have no doubt ANYONE can get it, it’s just a matter of breaking it down and working through it at your own pace. If you need help or have questions, please do not hesitate to e-mail me at and I’d be happy to get you started!

  • Leanne Reply

    What a great idea Amber – it’s wonderful that you’ve made such a big start on your debt and can see the end of the tunnel in a couple of year’s time. We are debt free after being frugal and paying our mortgage off as quickly as we could. We aren’t extravagant and it means we can work less and enjoy life in our 50’s. You’ll be there even sooner than we were!

  • Faye Reply

    Wow – what awesome progress! Becoming debt-free by 2018 is a great goal and I have no doubt that you will hit it with your discipline and hard work! Very inspirational.

  • Silly Mummy Reply

    Sounds like you’ve made really good progress with a lot of hard work.

    • thriftyguardian Reply

      We have! And as I continue to develop my online brand, I’m hoping to pay off the rest of our debt even sooner. It’ll happen eventually and that’s not something I thought I’d ever say…

  • Liv Reply

    That’s a lot of work! Congratulations!

    • thriftyguardian Reply

      Thanks so much!

  • Sarah Reply

    This is definitely something I will be looking into! We are newly into our debt payoff journey, and it’s inspiring to see others who are well on their way. Thanks so much for sharing and offering such a valuable resource!

Leave a Reply

Your email address will not be published. Required fields are marked *