Today is a debt snowball update with some exciting news. We are not using a debt snowball but more of a debt avalanche to pay off debt on our debt-free journey. Plus we are paying off debt at a much slower pace than the typical debt-free YouTubers. We are also investing and saving money at the same time. No rule says getting out of debt has to be done quickly especially when you have as much debt as we did.

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#DebtFreeCommunity #MoneyTuber #DFC #PayOffDebt #debtfreecommunity #debtfreelifestyle #debtfreelife #budget #budgeting #6figuresandbroke #debtfreedifferently
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Where else you can Find Me: 
* My website: www.wendyvalencia.com
* Instagram: @theRealWendyValencia
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We are a family of three (Wendy, Mauricio and Melina - Age 9), living in the suburbs of Washington DC (Vienna, VA) and getting our financial life in order!  We earn a solid multi-6 figure income but in the past, we have struggled to pay for unexpected expenses and emergencies. We truly lived paycheck to paycheck even though we had a positive overall net worth because of our retirement savings.

In 2016 everything changed. We decided to get out financial act together and since that time we have gotten 1 full month ahead in our income (which means what we earn this month goes to pay next month's bills), paid off over $275,000 worth of debt, started planning ahead and saving for big financial expenses (like summer camp, a new car, a down payment on a house to name just a few) and we are even paying CASH for my Mauricio's graduate school (he's changing careers and becoming an architect!).

We believe that there is no one size fits all plan for being successful with money so we are creating our own path. It is our theory that every family should evaluate their own financial struggles and determine the root cause of those issues. For us, those issues stemmed from committing to giving without looking at the impact on our own financial situation. We did not have debt because we bought fancy cars or clothes, we had debt because we chose to give away hundreds of thousands of dollars before we actually earned it. Now when we give, we give with cash that we have saved for the sole purpose of giving.

We understand the shame and guilt of having such a large income and not having enough cash to pay for an emergency...like when the transmission on the car goes out or there are large medical expenses. We have developed a plan that works for us and we are so proud of how far we have come since 2016!

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FAQs
* Why We Have A Storage Unit:    • Why We Keep A Storage Unit  
* What's Wrong With My Voice:    • What is wrong with my voice?! Living ...  
* Why We Had So Much Debt:    • Debt: Why We Have So Much  
* How I Curl My Hair:    • How To Curl Hair || Curly Hair Tutori...  
* Why We Live With My Parents:    • What is the Sandwich Generation || Ca...  
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Things I LOVE and very highly recommend: 
https://www.WendyValencia.com/favorites
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If you want to see any of my templates featured on my channel:
https://wwwWendyValencia.com/shop
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We have snail mail:

Wendy Valencia
PO Box 361
Dunn Loring, VA 22027

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