Everything about Me

join me on my debt free journey! Read all about the events that happened to lead this 22 year old towards getting out of debt


I am so glad that you stumbled upon my blog and my crazy life! Welcome! In case you have missed my story along the way, I wanted to make sure that you are totally filled in.

My name is Elyse and I am 23 years old. I started my #debtfreejourney on January 1st, 2017 with $900 in credit cards, $2,500 in car payments, and over $31,000 in student loans. It all totaled out to be about $34,000 in debt. At 22 years old, I felt severely anxious for my future.
I got my Jeep (my baby) right before my 22nd birthday. Before then, I had never had a loan for a vehicle and I actually didn’t have any credit cards.

I was a waitress at Applebee’s (and I still am) and had my income all over the place. It was so easy to throw money away on food and drinks after work because it was just a small portion of my income. I was always earning more cash the next night. My bills were getting paid. But I just had $1,000 in a savings that I couldn’t get to easily.

My car before had started to die and I was so stressed out about getting a new vehicle. I asked my dad what he thought about getting a loan. After being turned down twice on my own for $2,500, I went to my dad to co-sign. I am so thankful that my dad took the risk for me because it brought me to my debt free journey.

Right after I got my Jeep, I was cleaning off my bookshelf and found my copy of Dave Ramsey’s Total Money Makeover. It practically fell from the shelf. I took this as a sign from God that my life needed to change. This book changed my life. I read it and started working away. I got another job, started this blog, and got trained as a bartender.

It hasn’t been easy, but it has been worth it. I have done this entire journey as a single, millennial woman. I paid off $36,500 in 26 months of working and focusing on being debt free!

I can’t wait to live a life full of adventure after I have no payments. Through the whole journey, God has seriously blessed me with countless opportunities, lots of lessons to learn, and fantastic jobs that I wasn’t really qualified for. God has given me the resources and the courage to be successful along this journey!

Updated Statistics (As of March 2019)


I paid off $36,495 in 26 Months!

I finished paying things off 27 YEARS ahead of my minimum payment schedule.

Now, I am saving my emergency fund.

Update (March 2020)

I put an offer in on a great starter house in April of 2019, closed in May 2019.

Brandon and I got engaged in December of 2019!

We also found out that we are expecting our first bundle of joy! (Due August 2020!)

There have been so many financial updates happening, but mostly working and saving for emergency fund and baby fund!

Many have asked for a link to my baby registry, but I do not want anyone to feel the pressure of buying anything for us!

If it is NOT in your budget, PLEASE do not purchase anything for us.

We will have plenty of stuff for Baby Peanut!  But if you choose, you can visit our registry here.