My name is Matt.  Have you ever had a get up off the floor moment?  You know, one of those moments where you realize there is a huge problem and something needs to be done about it.  One of those problems for me was my debt.  I have been carrying a substantial amount of credit card debt and student loan debt for several years.  I started this blog to help keep myself accountable to making changes in my life that would help hold me to a budget and help me pay off my debt sooner.

How Did I Get Here?  

In 2011, I graduated from San Diego State University with a degree in nursing (you can read more about my nursing career here).  What also came with my degree was over seventy thousand dollars in student loan debt.  I never really thought about the impact that taking out student loans would have on my post college career.  So while I was in college I didn’t think about my debt.

Until recently, I was also bad with budgeting and making sure I stuck to a budget.  Over the years I’ve also racked up over twelve thousand dollars in credit card debt as well.

Since I graduated, I have only been paying the minimum payments on my credit card and student loan bills.  I’ve barely made a dent.  I call this nursing debt:  the act of making the minimum payments on debt for dozens of years while simultaneously losing thousands of dollars in paid interest.  

This blog is about my debt journey and my road to becoming debt free.  Join me.  I could use some tips.