Payoff: Getting to Debt Free Faster

Our Payoff Tool Tip

Getting our credit card interest rate as close to zero was one of the keys to our $51,000 debt elimination. Payoff is here to help you do that. 

Last year’s “new year, new you” didn’t go as planned, did it? Believe us, you’re not the only one (or two)! We didn’t get body-beautiful this year, ourselves. Like us, though, you’re going to get back on that horse and do better next year. Right?

Your plan this year is to have a new plan. Not only are we here to help you, our friends at Payoff are here to help. (If you can’t wait to read more about Payoff, you can learn about what they do here.)

If the definition of insanity is to do the same thing repeatedly and expect different results, you will not be insane. You’ll be awesome!

How do we know?

Because Now You Know the Debt Free Guys

You have financial issues. It’s likely that your financial issue is debt. To answer your questions, I’m not Sherlock Holmes. You came to a site called Debt Free Guys. Chances are you want to be debt free like we once wanted to be and now are.

There’s a four percent chance you’re queer. Because we’re getting to know each other, we’re gay. Whether you’re queer or not is irrelevant. Even though we have a show called Queer Money, we can help you gay or straight!

Regardless, there’s an 80 percent chance you’re in debt and this is how we can help you. Once upon a time, we had $51,000 in credit card debt, were living in a friend’s basement apartment and on a path to financial ruin of our own making.

Sound familiar?

We climbed out of that debt and basement apartment. We’re now debt free and living on the 12th floor of a high-rise near downtown Denver CO. We paid off our debt because we had a plan.

Our first key? We lowered our credit card interest rates. Then we cut back all social activities, which lowered our social expenses from $1,000 to $2,000 a month to $150 a month. We eliminated all travel. We rethought spending and learned how to coupon, Groupon and find ways to buy and live not-so-expensive (NSE), so we could live and play for cheap or free.

We were a team and lucked out because we had each other and both had backgrounds in finance. Many of you are alone or need more than a teammate to pay off your credit card debt. Most of you didn’t learn about money in school, let alone school and work.

That’s not your fault. That’s why you need to know us and Payoff. (This is your last chance to abort this blog post and learn about Payoff yourself.)

Meet Payoff

We became friends with The Payoff Team at the end of 2015, about eight years after we needed them. Had we known of Payoff when we decided to get shed our debt, they would’ve been the first people we called. Payoff helps their clients with both their financial wellness and emotional wellness.

We know too well the stress and shame that comes with credit card debt. It’s like a cold sore we try to hide and are self-conscious that people know or that we’ll never get rid of it. We, also, know well that you can rid yourself of the stress and shame of debt . . . about that cold sore, we’re not so sure.

With their fixed, low rates and simplified terms, Payoff can start you on the path to eliminating your credit card balances as quickly as possible. If approved, after you apply and they do a no-fee credit review, Payoff will cut a check directly to you for $5,000 and $35,000. You’ll use this money to pay off your credit cards.

Payoff will set you on a two to five-year plan to pay them back. The benefit to you is that Payoff will give you a fixed rate lower than what you’re paying to your credit cards. So, you’ll pay off your debt in a faster time and with less out-of-pocket expenses.

Why are you waiting? Learn more about Payoff today.

Why Are the Debt Free Guys Recommending Payoff?

We were referred to Payoff by our good friend, Melanie Lockert of Dear Debt. Melanie knew Payoff and the Debt Free Guys would be great partners due to our mutual goals of helping people get out of and stay out of debt.

We met with Payoff and quickly loved them. Not only does Payoff help people pay off debt, with their Financial Personality Quiz they help people understand why they got into debt in the first place.

This way Payoff makes sure you don’t repeat the cycle of going in and out of debt like we did (you can read more about that story here). We often say understanding why we got into debt was as important as paying off our debt. For this and other reasons, we’re proud to recommend Payoff to you.

Don’t waste another minute. Don’t wait until the new year or the next year or even another day. Start becoming debt free now!

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