November 2015 Debt Report

monthly debt report 2015 nov

What are Debt Reports?

Hello! If you’re new to my blog, I write a detailed report each month of how much debt I’ve been able to pay off. I show you exactly how much each loan balance has gone down and where my total debt stands. I do this to give you a real life example of how you can go about paying off your debts, and show you that it is possible and you’re not alone.

This is all here to help you see my progress, good and bad. Here are all of the previous debt reports if you’re interested in seeing them.

I am definitely one of the people who learns by seeing examples, so I wanted to give people the option of seeing a genuine example of how a regular 28-year-old is getting their act together.

You can download my free template to create your own Debt Report.

Thanks for showing up here to check out my wins – and losses. Here goes!  

The Numbers.

Student Loan @ 3.0% interest – $32,846.04 (-$426.65)


My total debt is now at $32,846.04 – if you’ve been reading for a while, you might recognize that this means I’ve paid off over $30k of debt! <—–Woahhh….

You might also remember that I set a stretch goal of earning two months of rent online during November. I’m happy to say I was able to get about halfway there. I made about $840 this month online by helping to build websites for people and a small portion through the blog itself. 

I think that setting such a large goal made me really work towards it. Although I didn’t quite reach the level I wanted to, setting my sights higher than I thought was possible allowed me to reach farther than I would have otherwise. 

My motto lately has been to “think bigger” and I think it’s helping- so I’m going to try again this month. Maybe I’ll get there, maybe I won’t – it doesn’t matter, because I’ll be pushing myself past what I used to think was possible. 🙂


What happened?

So that’s all fine and dandy, but I bet you’re wondering where that money went, considering I only paid off around $400 worth of debt. Most of it was moving expenses I had put on my credit card (I know, I know). I still have some left over on the credit card, but none of it is accruing interest because I had made sure to pay off the previous balance in full. Which I need to make sure I do again this month – but I know I’ll have enough to do so. 


Progress Since the Beginning

november 2015 debt report

I’ve paid off over $30,000….I still can’t believe it. But I’m not even half-way there, so I need to keep pushing 🙂

If you have any questions about creating your own debt report, I’ve set up a system to make it easy for you to create your own, and keep track of your progress.

Download the free template to
Create Your Own Debt Report!


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I am Chenell Tull and so far, I've had a pretty rough time with my student loan debt. Recently, I've figured out a more productive "get out of debt" plan and the goal is to pay off over $60k in just 36 months. If you want to learn more, subscribe to the mailing list and get FREE updates on my successes and failures on this journey out of debt. 

  • DebtDiscipline

    30K paid off in 20 months, nicely done!

    • Thank you! It was a surprise to me when I saw it 🙂

  • Lance Cothern

    You’re super close to half way! my favorite part of paying down debt is it goes faster as you get closer to the end because the amount paid in interest continues to decrease. Keep up the awesome work!

    • Thanks, Lance – I’m excited to watch it start going away faster too 🙂

  • Cat Alford/ Budget Blonde

    Nice! I’m so excited that you are nearly halfway there. Great job! 🙂

  • That’s awesome Chenell! $30k in debt paid off is awesome. Keep up the good work!

    • $60k paid off is going to be even more awesome 🙂