Spoke with Tracy Hemingway about how she got into 94K worth of debt and her journey to pay it off,
Follow her story on Instagram @debtfreekiwigirl
Timestamps
1:00 Tracys Backstory
12:22 Tracys Tumor
12:57 Pressure nowadays with image
15:35 Bad money decisions with cars
17:12 Smoking
18:34 Tracys life falling apart
23:05 Credit Cards/Banks Stupid Processes
25:49 Balance Transfers
28:43 Increasing Income/Decreasing Expenses
29:41 Budgeting/Sinking Funds
35:31 Pets Expenses
36:35 Downfalls of raising minimum wage
38:27 Living within your means
39:32 Living in Auckland
42:15 Eminem Concert/Wellington
44:59 Public Transport/Reece’s Jacket Story
46:26 Tracys New Job/Sales
50:22 Working Remotely
51:00 Hamilton to Auckland Train
53:31 Tracys Budget Plan
55:41 Eating Cheap
56:34 Tracys Diet
58:21 Reeces Psoriasis/Tracy’s Allergies
1:00:00 Tracys Diet Part 2
1:02:40 Being Cheap
1:04 46 Tracy Budget Plan Part 2
1:05:47 Tracys Debt Fully Paid Off Date
1:06:32 Tracys Entertainment Budget
1:08:36 Reece Judging/Tracy Being Judged
1:10:11 Budgeting taught in schools/Being open with finances
1:12:28 Housing
1:13:30 Rockbottom
1:14:21 Life Coaching
1:15:17 Tracys trick of firewood
1:16:26 Fine Five Challenge
1:18:00 Coupons to save money
1:21:38 Saving Time/Tracys First Budget
1:23:00 Tracy Writing a Book for the next generation
1:25:19 Trade Jobs/I.T
1:27:30 Poverty in NZ/Saving $5 a week
1:29:46 Cheap Clothing
1:32:03 NZ Less Judgmental
1:33:08 Travelling on a budget
1:34:04 Budgeting/Avoid Loans
1:35:00 Tracys current debt
1:37:02 Tracys Final Thank You’s