@amber.levels.up: 2026 Debt Payoff “Progress” so far, but spoiler alert, there’s been significant negative progress. If you’re thinking of giving ya girl unsolicited advice, or a “have you thought of _____” if you could actually save those thoughts to yourself that’d be swell 😂 Yes I’ve thought of it. Yes I’m applying for better income opportunities and am putting more hours into my freelancing clients and side hustles which is the only way out of this. Yes I’ve negotiated my interest rates down. Yes I’ve locked access to spending more on my cards. Yes I’ve lowered my fixed expenses by $1400 per month over the last year. Yes I’m snowballing and paying least to most balances. Yes I’m using my degrees (BA and JD) even if it’s not in the traditional way you’re used to seeing people use those degrees. Yes I’ve considered bankruptcy but it will only cover less than $25k of the debt and really isn’t worth it. Yes I’ve considered doing school again half time to defer student loan interest but no that’s actually horrible advice to someone with my debt load, it makes far more sense to just earn more. Yes I will actually get these paid off (and will make significant progress this year, whether you think I’m cooked or not 🤪). The citi card is getting paid back off this month so follow along to see me knock it out and erase a lil bit of your skepticism 😂

Amber | Side Hustles | Debt

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Tuesday 12 May 2026 16:05:08 GMT