35 Reasons to get out of debt as fast as I can

Maybe if i pray hard enough God will make my student loans disappear....

After paying over $2,000 towards student loans this past month (take that!) I’ve reflected on how far I still have to go to get them gone.  I’m sorry to say how much I think about it, but then I think ‘just a little more work and I’ll be less in debt’ and it propels me forward.  I have a good balance, but I know I won’t be free until its gone…in five years.  I’ve officially set a timeframe of five years for myself.  I’ll be 31/32 at that time, so here’s hoping for the best.


Whenever I start to doubt why I put so much energy into getting them gone, I think of different things.  There are numerous reasons anyone can give for wanting to be out of debt.  I’ve given a lot of thought to ‘why now, why not just slack a little and live versus putting so much energy into them’.  Well, the interest rates are a good reason for that!  I have several friends taking the slower pace, but I have a little more than the average graduate and I want the peace of mind and financial freedom.


1-To have the freedom of knowing I’m no longer in debt.

2-To not feel guilty or fret over eating out, going to a movie or a tour that costs more than $5 (or even $5!)

3-To be able to buy the people I love proper gifts or even have the time to make said gifts

4-To buy little things, like a poster frame, that I currently can’t give a good enough reason to buy (ok other than the fact of decorating and having said posters)

5-To have less stress overall

Hobbit house!

6-To be able to walk into the grocery store and buy what you want without sticking to as strict a budget.  You know a $200 grocery bill versus a strict $120 one.

7-To travel to far off places. One of my biggest dreams is to see the world, but it requires money (usually).

8-To buy the books I really want to read as opposed to wishful thinking with rarer books.

9-To buy a 3DS, PS3 and eventually a PS4.

10-To finish my Doctor Who themed bathroom.

11-To support small businesses as opposed to bigger ones (voting with my dollar)

12-To buy more geeky things, in general (a geek can never have too much!)

13-To create a proper garden (gardening does have an upkeep and start up cost)

14-Donate more to causes that I support and give more time to said causes

15-To be able to freely give to someone in need

wow! Lowes sells these for about $20. love the idea of transforming one of these into a teacher tool box. Super organized!

16-To afford better stuff to organize my house

17-To save for retirement (because currently its looking grim)

18-To go to conventions like comic con

19-To buy spontaneous gifts for those I love

20-To be healthier (money means taking the fitness classes I’ve always wanted to!)

21- To not ‘cheap out’ on some things

22- To cover the tab for a friend who needs it without worrying

That's what missionary work is all about! PreparetoServe.com

23- To pay for volunteer experiences and missionary work (did you know you have to pay for some, I don’t have $2,500 to volunteer abroad!)

24- To invest in better quality clothing

25-To save up for a house/afford a better place

26- To have more freetime (because the money I’m putting towards extra earnings would be gone!)

27- Interest rates on student loans are a nightmare.  The quicker they’re gone, the less those awful companies get!

28-I’m tired of talking about my student loans and how they hold me back

29- To be more liberal with spendings, donations etc.

30- To run in 5K’s that I want to run in, to support a good cause, but cost $30+ a person

Will MOOCs Disrupt Higher Education or Level the Playing Field? [#Infographic]

31- To further my education beyond my Bachelors of Art degree (without student loans at that!)

32- To better myself because of less stress and because I can live freely

33- To help others stop worrying about my student loans along with me

34- To experience more of the world around me (isn’t it sad how much money can control this?)

35-  To feel truly free and not feel as though I can’t make any big changes or move without risking financial suicide


Some of these may have sounded similar, but they’re different in my mind and all equal the same.  I want them gone and I’m ready to work hard to do just that!  Five years or less, here I come!






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