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  ...