I’ve gotten a ton of requests for the spreadsheet, so here’s a more efficient way to disseminate it.
NMHD – Template
I’ve left my numbers in it to make it more intuitive than a bunch of formulas.
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Thanks for the Template!!! I downloaded it and deleted your numbers and put in mine. I do not have a student loan but your blog has given me courage to pay down my mortgage.
You are awesome, thank you!
You are so lucky you don’t have a student loan! I owe about $100,000 and I would love to pay it back in less than a year. I am putting my plan together now to see if I can pay it off in two years. I have credit card debt I would like to get down first since the interest is higher.
Hey..yesterday I came across this belt..what do you think?
Thanks for the spreadsheet. A friend shared your story with me about a week ago. I’m now motivated to pay off $130,000 in 17 months. Debt free by the time I’m 30 years old! Im going to work 2 jobs and sacrifice some of my social life but you’ve shown me it’s worth it. Thanks for the inspiration!
Joe, Great job. Just picked up your story on Facebook. Have not had a chance to go through all your posts but would like to add that I hope at this point, you did finally splurge on new running shoes (health is important as you say!). Join us back in Michigan for the Brooksie Way Half Marathon! I have one daughter at UM now(she rowed her freshman year) and another going in the fall. Go blue!!
Another really great resource to use, which has helped me become more aware of my own spending, is Mint.com. This website helps you make a monthly budget, helps you track it as you make payments, and you can even add in a goal – such as “Pay off Student Loans” (which is one of mine) and it will give you an estimated time period for how much you want to pay monthly. I love it! I love your story too! Although, I definitely do not make close to what you do, you have forced me to start thinking about what I can do to help make my payments lower. I have been too content with the fact that I will not be loan free ever in my life and I thank you for changing my way of thinking.
Keep the blog up! It gives me motivation!
Very refreshing to read the life a man who has control of his life. I’ve been caught up in your blog for the past week now and can’t seem to get it out of my mind. The dedication and discipline you demonstrate amazes me and I applaud your commitment. When failure is not an option, man can accomplish astounding things, and from my perspective you certainly have proven that.
This is awesome and thank you for sharing.
Congrats to you! I left law school with 70K in debt (undergrad and law school combined). I had to wait a few years for that six-figure job, but once I got it, I paid off the debt in three years. I’m not quite as disciplined as you…I did quite a bit of travel in those three years (climbing in Thailand was worth not eating out for two months…), but it was still a lot of sacrifice to pay off the debt in three years. I live in a fairly pricey city (Washington, DC), so my six-figures doesn’t go as far, but still, getting out of student debt is very doable if you make it a priority. At any rate, congratulations again to you. It’s a big accomplishment.
nice story, wish I could do it.
Thanks for the template!!
Thank you for sharing your story. You deserve a lot of credit for what you did. But is most important is the many people that you have inspired. I too am going to blog about my MBA debt. Hopefully I will have a fraction of your success!
The blog is anythingbutstripping.blogspot.com because that’s about the situation I’m in!
Hahahaha that’s AWESOME.
Thanks for the spreadsheet. You did a fantastic job and I would love to do the same. I graduated dental school, and have considerably more debt than you started with (around $300k). Tough pill to swallow huh? I do have a question about your spreadsheet. Does it take into account the accumulating student loan interest, month per month?
Yes, row 51. Good luck with the $300k, dude.
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