#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 Timestamps1:00 Tracys Backstory12:22 Tracys Tumor12:57 Pressure nowadays with image15:35 Bad money decisions with cars17:12 Smoking18:34 Tracys life falling apart23:05 Credit Cards/Banks Stupid Processes25:49 Balance Transfers28:43 Increasing Income/Decreasing Expenses29:41 Budgeting/Sinking Funds35:31 Pets Expenses36:35 Downfalls of raising minimum wage38:27 Living within your means39:32 Living in Auckland42:15 Eminem Concert/Wellington44:59 Public Transport/Reece’s Jacket Story46:26 Tracys New Job/Sales50:22 Working Remotely51:00 Hamilton to Auckland Train53:31 Tracys Budget Plan55:41 Eating Cheap56:34 Tracys Diet58:21 Reeces Psoriasis/Tracy’s Allergies1:00:00 Tracys Diet Part 21:02:40 Being Cheap1:04 46 Tracy Budget Plan Part 21:05:47 Tracys Debt Fully Paid Off Date1:06:32 Tracys Entertainment Budget1:08:36 Reece Judging/Tracy Being Judged1:10:11 Budgeting taught in schools/Being open with finances1:12:28 Housing1:13:30 Rockbottom1:14:21 Life Coaching1:15:17 Tracys trick of firewood1:16:26 Fine Five Challenge1:18:00 Coupons to save money1:21:38 Saving Time/Tracys First Budget1:23:00 Tracy Writing a Book for the next generation1:25:19 Trade Jobs/I.T1:27:30 Poverty in NZ/Saving $5 a week1:29:46 Cheap Clothing1:32:03 NZ Less Judgmental1:33:08 Travelling on a budget1:34:04 Budgeting/Avoid Loans1:35:00 Tracys current debt1:37:02 Tracys Final Thank You’s