How I paid off $60,000 of debt in 3 and a half years
When I first started this journey, I was heavily in debt.
And I did something that, at the time, felt almost radical to me: I started tracking my income religiously.
I looked at my bank account every single day.
Not because I always liked what I saw. Sometimes I absolutely did not.
But something started to happen when I became intentional about my money instead of avoiding it.
And, for me, the biggest shifts happened when I combined the practical work with the deeper emotional work.
My theory is that I was doing two things at the same time: I was becoming incredibly intentional about what I wanted financially, and I was taking consistent, inspired action towards it.
I wasn't just saying, I want to be debt-free.
I was paying attention to my money every day.
I was tracking what was coming in.
I was looking at what was going out.
And I was spending a huge amount of my time working on the emotional patterns underneath my money behavior.
I was working with my triggers.
I was exploring ancestral money trauma.
I was doing breathwork and EFT tapping.
I was developing meditations to help me work through the money patterns I had inherited and begin creating new ones.
For me, this combination was powerful.
I did the practical work, but I also understood that changing my financial life wasn't simply about knowing what numbers to put into a spreadsheet.
I had to change my relationship with money.
And here's where I want to encourage you to go even further:
Don't just track your income.
Track your expenses too.
Ideally, track them at the end of every day.
When I first started my financial journey, I did this weekly. And I still have some of those documents from all those years ago.
Looking at that document takes me back.
It was 2012. I had just moved from Boston, Massachusetts, so all of my expenses were still in US dollars—and I was still earning very little.
But I was paying attention.
I was building the habit of looking.
I was learning my numbers.
And I was beginning to understand that awareness was part of changing my financial reality.
I am not new to this. I am true to this.
I am true to this work.
I'm not sharing theories with you.
I'm sharing things I have actually done.
I paid off US$60,000 in debt in three and a half years without living on bread and water.
I know what it feels like to be deeply in debt.
I know what it feels like to look at your bank account when you don't like what you see.
And I know what it feels like to gradually become someone who can look at her money without fear.
So when I talk about tracking your income, looking at your bank account, understanding your expenses and working with your money triggers, I'm not talking about something I read in a book.
I'm talking about practices I have lived.
And I've seen these principles help other people change their relationship with money too.
Is it easy?
Not at first.
Looking at your bank account every day can be uncomfortable.
Tracking your expenses can be uncomfortable.
Facing the emotions underneath your spending can be uncomfortable.
Looking honestly at your debt can be uncomfortable.
But here's the question I eventually started asking:
Does it lead to ease?
Yes.
Absolutely.
Because this work isn't about finding a quick fix.
We're talking about changing generational money patterns.
Ease doesn't mean easy.
Financial ease is often created by doing the things that initially feel uncomfortable.
Looking at your bank account.
Tracking your income.
Knowing your expenses.
Understanding where your money is going.
Facing the money stories and emotional patterns that influence your financial decisions.
Doing the healing work that allows you to respond differently.
Over time, something changes.
You stop being afraid of your bank account.
You stop wondering what you're going to find when you open the app.
You stop carrying the constant weight of avoiding the institutions you owe.
And there is a kind of freedom in that.
Because knowing where you stand financially—and knowing that you can face what you find—feels easier on your spirit.
That is financial ease.
Finacial ease is not a life where nothing ever goes wrong, it’s a life where you no longer have to be afraid to look or talk about money.
