I'm working my way to debt freedom. I'll outline everything I have done to contribute to my payments, including how I cut costs, got creative with gifts, and use rewards programs. My biggest secret weapons have been zero-based budgeting and using sinking funds for upcoming major expenses. In a few months, I'll have given myself a permanent raise by becoming debt free, and plan to focus on increasing my saving, investing, and donations to charity. *Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.* Website: www.healthywealthyroots.org IG: healthywealthyroots Clubhouse: hwr --- Send in a voice message: https://anchor.fm/healthywealthyroots/message