Record Debt-Payoff Results In 30 Days!

“The best view comes after the hardest climb.” – Unknown

“At the end of the day, we can endure much more than we think we can.” – Frida Kahlo

Getting out of debt is NOT impossible but it IS difficult. It takes conviction, a strong "why", a plan, a budget and LOTS of encouragement. And as a coach, I've seen that one of the best ways for our students to stay motivated is to hear other people's stories, listen to their struggles and live vicariously through their wins.

This is the whole reason I started this "Journey To Debt-Freedom" series. I wanted to curate a reservoir of personal stories that will help you "find your own story" and keep marching forward toward your personal finance goals and ultimately to debt-freedom and beyond. 

Along those lines, if you have a "debt-free" or "on-my-way-to debt-free" story, I'd love to share yours with our audience. It's always such a gift to our subscribers and fans to hear your particular story AND will help you, especially if you have a a blog/platform/YouTube channel you want to promote (although that's not at all necessary).

Next up in our "Journey To Debt-Freedom" series, meet Jordan!

Introduce yourself, Jordan.

Jordan Parham I'm a self employed Audio Engineer in the greater Atlanta area, more specifically, Gainesville Georgia. I love what I do and I love the time I get to spend planning my next ideas.

Give me a little bit of background about your financial situation and your decision to "tackle it". Tell me about how much debt you've paid off so far and in how much time. What is your debt made up of?

In 2019, I finally just got tired of being broke and living paycheck to paycheck.

I was still paying on a 2014 Chevy Cruze that wasn't worth much money at all, plus living in the big city, buying whatever I wanted, not really caring how I would pay for it all, credit was my life.

I was also recovering from a bankruptcy from back in 2015. I was in a car wreck and I lost everything. My Cruze was financed at 2.9 percent because I kept it through the bankruptcy.

It was a big mess.

My brother got a car that was around $30,000 paid for by my dad using his inheritance. I got the bug and wanted to do the same thing, BUT before I got my $30k, I bought a brand new 2019 Chevy Silverado for $56,000 ($650 a month for 6 years). UGH!!

That's when the bankruptcy hit me. So then I joined the credit union and fell further into the trap buying a $75,000 truck which I financed for 8 years...

To add to the "pile", I also bought a brand new bed for $5,000.

That's when I finally decided I needed a change. I sold the truck, bought a 2012 Silverado $30,000. I also bought a beater 2002 Toyota Camry cash.

I read the Dave Ramey's "Total Money Makeover", and knew that I didn't need just need a small change, I needed a lifestyle shift.

Then Covid hit in 2021 and motivated me even more. I took my life back by paying off all credit cards and the truck is now paid down to $13,500.

The bed is also paid off  and my student loans are next!!

Looking for a way to get started on your own debt-free journey? Check out my: 

 “Debt-Elimination Quick-Start Guide”. This free resource will have ALL the tools, forms and printables you’ll need while moving through this 30 day challenge.

What was "the moment" you decided, "enough is enough" and what actions did you take or resources did you use to get the process started?

When I got my first statement for $681 and it said I had "95 payments left"!

Looking for a ways to live more frugally and address your debt? Check out my: 100 Frugal Ways To Save Money And Get Out Of Debt.

What was your "why"? What kept you going when you wanted to quit? How did you stay motivated?

My overall "why" is to stop letting life control me and to have the ability to do what I wanted to do WHEN I want to do it!

Describe your "belief system" about money and (if/how) has it changed? Maybe even talk about how you were brought up to think about money and how that changed as you progressed through the process.

I believe money is a powerful tool, I believe it can be used for good and for evil, it can be used to make you interest, or make you pay interest for life.

What have been the biggest/toughest sacrifices you've made in your personal finance/debt-elimination process?

The biggest thing I had to give up was my constant desire for immediate gratification. Once you put your long term goals in front of your short term wants, the rest is actually easy.

I sold my set of drums. I cut all unnecessary expenses to "live like nobody else so later I can live like nobody else".

Describe how it feels or how it feels to be "on your way" to debt-freedom. 

I will be debt free in 2021. Murphy is NOT allowed back in my house!

This “$1000 In 30 Days Challenge and Resource Pack” is designed to help you find, cut and/or earn $1000 inside of 30 days so that you can: pay off debt with it, save it or invest it.

Here's the free downloadable/printable PDF.

What are some pieces of advice you would give to someone who's ready to get serious about tackling their finances?

Actually sit down and do the budget. You're never going to realize what you can pay off until you have a real number in front of you.

No matter how much money you make, pay yourself a set amount to cover your expenses, then take debt with the rest.

Just follow the plan!!!

You can do this! Just 3 years ago I was a slave. But I broke free and so can you!

Where can we find you (website, social media, etc.)?

https://www.instagram.com/WinBigDreamBigLiveFree/

Call To Action

Now that you've heard Jordan's story, maybe you're ready to take a closer look at a "framework" to start your own "journey to debt freedom". And, if you’ve hung out on this platform for any length of time, you’ll know I’m all about helping you to take action. And here are two very easy next steps to keep you moving in the right direction:

1. Download our free PDF guide that goes along with this series: “Debt-Elimination Quick-Start Guide”. This has a very comprehensive and dedicated video on establishing your “why”.
2. Head over to YouTube and start with the “Day 0” video. You can totally binge-watch the whole series if you want. That “first pass” will give you an idea of where you are and what it’s going to take for you to get to the next level with your own personal situation. And again, starting with your “why” is the absolute most important step.

I want for you to capitalize on any and all emotional momentum you’ve gotten from this piece of content by committing two just getting started by completing those two actions I mentioned above. If you’ve done that, congratulations, you’ve started! Now just follow the breadcrumbs and please let me know what’s helpful and what you might need more detail around.

Struggling Or Feeling Alone?

Join Our Private FB Group: Zero Debt Tribe

Now, if this decision process is something you struggle with and you constantly feel isolated about, I’ve got some great news for you and it’s free.

Our private Facebook group, ZeroDebtTribe. It’s a group of like minded people that are all somewhere along this P2P/debt-elimination/on their way to FI continuum. So click the image above and apply to join us. :)

Call To Action 

So, we’re all about taking action around here, so I wanted to offer you this free little resource that will help you get your finances organized an on track in less than 4 hours. It’s called our “Debt-Elimination Quick-Start Guide” and the link is in the video description below.

Looking for a way to get started on your own debt-free journey? Check out my: 

 “Debt-Elimination Quick-Start Guide”. This free resource will have ALL the tools, forms and printables you’ll need while moving through this 30 day challenge.

How can ZeroDebtCoach help you? 4 ways...

1. Subscribe to our YouTube channel and click the notifications bell to make sure you get our new videos every week. 

2. Download one of our free personal finance guides. You’ll learn some of the exact strategies I teach my private coaching students on how to organize and optimize their finances, obliterate debt and move on to financial independence by starting and growing online businesses.

3. If you’re looking for a community of motivated and like-minded people, go ahead and get on the waitlist to join our private financial coaching community. We only open it for new students a couple of times a year, so make sure to get on the waitlist.

5. If you need some help right now because you’ve got a burning issue, you need a problem solved, you want to talk through a complex situation, click on the button below.

All that said, let's keep on building your financial acumen and make this your best year yet!

Thanks so much for reading and we’ll see you in the next video post!

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