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How to Get Out of Debt: One Blogger’s Inspiring Story

By Just Heather |

For several years, I have watched in awe as my friend Cherie tackled her family’s monstrous debt with determination, grace, and a healthy dose of extreme frugality. She was the inspiration behind my post on debt free bloggers. I watched, with tears in my eyes, as she and her husband made their final consumer debt payment just last month.

Now that they are completely debt free — having paid off even the daunting student loans — I wanted to share more of their story. The Lowe family has paid off over $127K in consumer debt, including credit cards, car loans, medical bills, and student loans. They didn’t sell anything or inherit in anyway.

It was all done the old-fashioned way — saving wherever possible and taking on more work to increase payments to their creditors. I asked Cherie to share a few more details, along with a few tips for those of us inspired to walk in her (debt free) footsteps.

Here are 8 steps to paying off debts:

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How to Pay Off Debt

Read The Total Money Makeover

Every single debt free family that I interviewed earlier this year said the same thing. Dave Ramsey, Dave Ramsey, Dave Ramsey. His debt snowball plan and no nonsense advice has inspired many on their journey to financial freedom.
Buy It
More Budget Saving Books at Inexpensively

You can hear more of the Lowe’s story on Thursday, when they will be live on the Dave Ramsey Show in Nashville! Be sure to follow Cherie on Twitter, Pinterest, Facebook, and The Queen of Free. You can find her husband, Brian, on Facebook and at The King of Free.

More tips from The Queen of Free:
Four Ways to Save Money While Doing Your Laundry
Shop at Aldi and SAVE
Five Quick Ways to Save on Your Grocery Bill {WITHOUT Coupons}

Follow Heather on Twitter, Pinterest, and her blogs.



More money saving ideas from Heather on
5 Things I Only Buy on Amazon


Debt Free Living: 5 Inspiring Blogger Stories
What Joshua Bell and Graffiti Teach Us About Frugal Living
25 cringe-worthy photos of stuff kids have ruined
20 great baby items you can make yourself
10 everyday household items that double as organizers

About Just Heather


Just Heather

Heather Sokol babbles about shoes, cocktails, and, mostly, her family. She and her geeky husband are raising four kids and losing sanity daily. They live their gluten free life on a budget while Heather shares her deals, tips and coupon savvy. Read more on her blog Just HeatherTwitter or Pinterest. Read bio and latest posts → Read Heather's latest posts →

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2 thoughts on “How to Get Out of Debt: One Blogger’s Inspiring Story

  1. Cris says:

    Yay! Congrats to Cherie and fam :)

  2. Gemma says:

    Amen to all that advice! Dave Ramsey’s book totally changed my life. We’re debt free except for the mortgage now, and have a great emergency fund set up that can cover our living expenses for around 6 months. I would love to see more people like Cherie (and myself) living the dream of being debt free!

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