Banish Debt Like A Boss At Frugal Woods

climing the mountain of debt
Paying off debt can seem like climbing a mountain without a ski lift!

Are you struggling with debt? Do you lie awake at night worrying about making monthly payments? Do you feel like you’ll owe Visa until the day you die? Don’t worry, you’re not alone.

Today I’m excited to be guest posting at Frugal Woods. Mr. and Mrs. FW are the rare exception in today’s society. They have never had debt troubles! Since I have had my fair share of debt experience, I’m helping with their series in Demystifying Personal Finance. I’ll be talking about how to mentally prepare to pay off debt and steps people should take to get banish debt once and for all. I hope you all will check out Banish Debt Like a Boss at Frugal Woods.

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Written By
Sydney White is a Texas-born stay at home mom who enjoys spending time with her family, bargain hunting and, of course, writing. She is currently the editor-in-chief of


  1. Great post over there. I am only 481 days away from retirement! At a cash flow greater than when I was working.

    Rentals are one of the few high-yield investments that work, but you still need a solid tenant.

  2. That was a good article.

    One of your main points is that you have to be emotionally ready to cut down debt. You said “The problem with having a laser focus for the short term is that it’s not sustainable without the emotional maturity to make it stick for life.” This is very true. In my case, I cannot remember now what made things click in my mind. I just remember that one day it just became emotionally unacceptable to me to be carrying the debt and be paying interest on it.

    I used the “snowball” approach to eliminating my debt. Paid the monthly minimum on all accounts while throwing all the money I could at the smallest balance. Wipe one out and move up the line. That has the very valuable reinforcing effect of letting you taste victory every time an account gets zeroed out.

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