Debt free at twenty-two

Yes, you heard correctly, I am debt-free at twenty-two. I do not own a credit card or have a car payment. I completely paid off, while in school, my college tuition, and earlier this year, I paid my car off! At this time, I currently do not have a mortgage, and when I am ready to purchase a house I will do so with cash. Call me crazy but debt, contrary to popular belief, isn’t worth it! I do not need a new phone bad enough to purchase one on credit. I will save up and when I have enough will get it.

While I am saving for the things I want, I have plenty of times to decide if I actually want to spend my money on that specific item, do I really need it? Often, by the time I save the amount of money I need, I find I didn’t really want it after all. I am able to weigh the pros and cons possibly find a cheaper alternative on Facebook Marketplace, eBay, or Amazon. Recently, I have been dying to get my hands on a KitchenAid Mixer but decided that until I saved up the money I couldn’t get it. I waited and waited, all the while looking to see if I could find a cheaper alternative. Five Months later, I found a second-hand mixer that had been used once or twice for $100. Guess what! I had the money saved and paid in Cash. I appreciate my mixer so much more than if I would have just gone to Target to purchase one. I saved $178.00 just by being patient, and I am so thankful I did. Now, I didn’t need an electric mixer, yes, it’s harder to mix by hand but not impossible; I was willing to be “uncomfortable” in the present so future Kellie’s life would be just a little bit easier. Not only was I being smart with my money, I got the thing I wanted and even saved money.

Delayed satisfaction is a skill I am still working on, the more I practice it, the easier it becomes. It started with the desire to become debt-free and has trickled into other aspects of my life. I feel so different than everyone else. I watch people purchasing brand new cars and it makes me cringe. I cannot imagine buying a brand new car when a slightly older car will do. People get so caught up keeping up with the Jones’ they don’t take into account the long-term effects of their actions. It’s an incredibly slippery slope and before they know it, they are over their heads in debt. I have personally watched people being destroyed by debt. It is such a heavy weight to carry on one’s shoulders.

Imagine with me the day the money you earn ( after taxes of course) is yours to keep. No payments of any kind. You are free to spend your money as you see fit. That was my dream and guess what I did it! It is such a freeing feeling to know that you don’t owe anyone anything! My hope is that you too might experience the freedom from debt and the joy it brings! If I did it, so can you!

The rich rule over the poor, and the borrower is a slave to the lender” 


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