#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