The debt-free journey

Paying it off, one payment at a time.

Debt reduced so far

0.0%

$0.00 left of $0.00

No balances yet

Starting debt

$0.00

7 cards + car loan

Current debt

$0.00

Debt reduced

$0.00

Change in balances

Total paid

$0.00

Sum of logged payments

Goal

Debt-free before 22 — March 17, 2028

513 days to go

Stretch goal

Before 21 — March 17, 2027

147 days to go

Life while paying it off

Joseph picking up the keys to his new apartment — I got my keys to my first apartment when I bought my first car. I was so happy.

Joseph leaning on his white car in a parking lot — My car

Joseph standing in front of his white car at dusk — One day paid off

Why "debt reduced" and "total paid" are different

Interest, fees, and new charges change balances, so the money I pay isn't always the same as how much my debt went down. I track both honestly.

Other lines of credit

The $29,316 starting total covers only my seven credit cards and Santander car loan. Other lines of credit are tracked separately and are not included in that number.

See every debt →