Paying off $78,000 of Debt | Jen’s Debt Payoff Story – EP 216

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What does it take to pay off a huge debt? How does one stay motivated in paying them? Jen candidly shared her journey of paying off her $78,000 debt in just two years, attached to the harsh realities of rising from it and staying motivated. Paying huge debt may feel unobtainable in just a short amount of time, but with this episode, Jen’s story will surely change how you should view your debt.

Expand your thinking of what's possible.


  • Adult Summer Camp. Never imagined this would be a thing? Never thought you could relive your days of not showering for a week, eating marshmallows for dinner, and singing nonsense songs with your friends?? Well – thanks to our overly nostalgic millennial generation, adult summer camps DO exist! And we will be hosting our version June 27-30 through our 2022 Frugal Living Summit! While it is virtual you will get all the camaraderie, new friendships and learning on everything frugal spending related. And of course, the no showering, eating campfire meals, and singing songs is totally up to you 😉

How Jen ended up in debt

The other extra debt prevented Jen from paying off her student loans with higher interest. If you’re in debt in one place, it snowballs to debt in other places and compounds on itself that makes it harder to pay off the first debt. 

The exact moment Jen realized how much debt she had and that she needed to do something about it

Jen’s husband, Travis, tried to get her deeper YES on what it is that makes other things easier to say NO to because the YES is deeper. Also, the realization that you don’t have to put your life on pause to pay off debt. 

Staying motivated to pay everything off

Having accountability and changing the community that surrounds you creates a huge impact. When Jen stopped dwelling on what the journey was taking from her and started focusing on how she can give back, everything changed. You needed a deeper why and purpose to find motivation and stay in this mindset.

Life after getting out of debt

Jen could now go on vacations, have bought a house and not heavily worry about emergency expenses such as a medical bill–things she would have never known were possible. More is possible and you don’t have to be incredibly rich to achieve it; anything is possible.

Anything we would be willing to take on debt to have/buy

Jen will take on debt for an asset. In fact, she just bought a second property for additional income! Jill sees the worth in considering taking a loan for renovations as she doesn’t want to prolong her savings/investing plans.

Bill of The Week

Thank you Becca from AK for sharing your bill about your rock eating dog Rufus; so sorry for the large bill, but celebrating with you that you had the money to pay for it!

Thanks so Much for Listening!

Thanks so much for listening. In celebration of our summit June 27-30th we want to share some of the comments you guys made about our 2021 event like this one.

Thanks, the summit was so well organized and with an amazing line up of speakers. Thank you once more for everything you ladies do for this community of FRUGAL friends.

Thanks so much Mariella! Thanks for listening and if you want your free ticket to this year’s summit June 27-30th head to and don’t forget to check out the Spending Mastery Bundle while you’re there, it’s jam packed with so much awesomeness!

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 $50 to spend in the Frugal Friends Shop! And don’t forget to share your favorite quote from the episode by using the hashtag #FrugalFriendsNote. 😉

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