#03 - Debt Free Diva Interview (Budgeting, Debt, Credit Cards, Living Within Your Means, Housing, Auckland etc.)

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