Six months down the road.
Six months since we made the decision to stop surviving and start attacking our debt intentionally.
And let me tell you something honestly:
Debt repayment is NOT linear.
Some months feel empowering.
Other months feel like you’re running in place.
Interest hits.
Unexpected expenses show up.
Emails with “Payment Reminder” land in your inbox.
But we kept going.
Who Am I? (For New Readers)
If you’re new here, I’m Amy, a stay-at-home mom to a now 9-month-old baby, documenting our journey to pay off $88,720 in debt.
This blog started as a way to:
- Support my husband in clearing business and personal backlogs
- Stay accountable
- Help other moms navigating debt
- And rebuild financial stability with a target of being debt-free by 2030
This isn’t a “get rich quick” story.
It’s a rebuild-from-the-ground-up story.
6 Months Debt Update: The Numbers
n 6 months, we have paid off:
✅ $4,035.51
Is it glamorous? No.
Is it life-changing yet? Not quite.
Is it progress? Absolutely.
And progress matters more than perfection. Here’s a quick peak at the status after 6 months of hustling.
The Reality of Side Hustles as a SAHM
I won’t sugarcoat it.
I’ve tried:
- Digital products
- Affiliate marketing
- TikTok
- Blogging
- Courses
- “Global strategies” everyone says will work
And here’s what I learned the hard way:
If you apply a global business strategy in a local context without adaptation…
You get $0 in sales.
The internet sells THE DREAM.
But execution in real life — especially as a mom with limited time and limited capital — is different.
That doesn’t mean we stop.
It means we refine.
Related read: Side Hustles for SAHM That Actually Make Sense
How We’re Prioritising Debt (Snowball Method)
We are currently using the Debt Snowball Method — small balances first for momentum.
🎯 Priority Debts (Target 2026 Payoff)
- Personal Payables — $258.79
- Credit Card — $1,251.56
- Company Payables — $2,951.63 out of $7,788.25
If we continue minimum payments only, the credit card clears by December 2026.
But with just $20 extra per month, it clears by October 2026.
Small changes. Big difference.
Minimum Payments (Maintained for Now)
We are maintaining minimum payments on:
- Borrowings from family — $4,239.84
- Remaining Company Payables — $5,405
- Personal Loan — $8,287.72
- Mortgage — $63,244.87
The mortgage will take time — and that’s okay.
The goal right now is strategic elimination.
2026 Target
In 2026, we are raising the bar.
I am challenging myself to clear targeted debts by 31.12.2026.
No rollover to 2027.
No “maybe next year.”
No passive mindset.
Intentional. Aggressive. Structured.
What 6 Months Taught Me About Debt Repayment
- It’s emotional, not mathematical.
- Motivation fades — systems matter.
- Small wins build long-term momentum.
- You cannot out-earn poor planning.
- Transparency builds accountability.
If You’re Also Paying Off Debt…
You are not behind.
You are not a failure.
You are in transition.
And that transition period?
That’s where strength is built.
Our next update will be at the end of February 2026.
Until then, we keep paying.
We keep refining.
We keep building.
One dollar at a time.
— Amy
DebtDiaryMom.com 💛
