How Lydia Senn Paid Off $36k of Debt on One Income – EP 143

We have lots of debt payoff stories highlighted on this podcast, and are particularly looking forward to sharing Lydia’s story with you all! For those working off of low incomes, or single incomes we hope this interview is particularly inspiring and helps to break down barriers to achieving debt freedom!


  • Financial Freedom Fast Track. If you want to stop yo-yo dieting with your money and pay off more debt consistently in 2021 then today is your last day to join financial freedom fast track. I designed this course specifically for people on multi-year debt payoff journeys with strategies I don’t hear anyone else talking about, weekly coaching calls, and an off-Facebook accountability group. So if you are ready to commit to debt freedom this year head to to learn more and sign up TODAY!   
  • leftovers. They’re calling out to us from the fridge, begging us to not crowd them with another food item that renders them even more obsolete, unseen, and forgotten in the back. They also want to remind us that they can be repurposed into a soup, salad, or casserole…we know, we know… casseroles are the worst, but for our sponsor today it’s better than nothing. Leftovers: using them up is the kind and frugal way.

Notable Notes:

We asked all about her families debt journey and how they paid off $36K of debt on just 1 income:

  • What was your debt from and what was the moment that led you to say enough is enough?
    • Student loan, credit card, medical debt
    • Had been in car accident while pregnant and the lack of financial freedom was quite difficult! This is was the launching point towards working at becoming debt free
  • What were the highest impact things you did to pay off your debt?
    • Get current on your bills
    • Moved to area with lower cost of living – and lived in more affordable house – ‘geo-hacking’ 
    • Extreme frugality – no going out to eat, not paying for entertainment
  • What was the hardest thing/change/experience during those two years?
    • Lots of transition and chaos
    • Having a Baby
    • Moving
    • Cared for self by finding an outlet of helping others
  • Looking back on it is there anything you would’ve done differently?
    • Give self more time – lessen stress of ‘it needs to happen NOW’
    • Listen to the right messages – less shame filled voices

BILL OF THE WEEK – Thank you Lydia for sharing your bill about your garbage and not paying your bill for 6months 😉

If you want to submit your bill of the week visit to leave us a bill

Lightning Round

What financial freedom has afforded us

  • Lydia – Free reign to respond to need and give to others
  • Jen – Travis voluntarily cutting salary for 3 months
  • Jill – hosting LOTS of people in my home

Get more from Lydia:

Find Lydia Senn on youtube and instagram


Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!

Thanks for listening! See you next week!

More To Explore

Places Kids Eat Free

Good morning, friends!  A little over a year ago, I (Kim) became a first-time auntie! I love spending time with my niece, and recently decided

Read More »