I’m a thirty-something married guy living in small town Ontario. We have no children and my wife doesn’t work. This means that our sole source of income comes from my job as a telecommunications worker for a major corporation.

I started a journey to get out of debt in 2008; I had $28,131.28 worth of debt that I really had to get rid of. It was costing us nearly $1,000/month to maintain. We got married shortly after I made this commitment to get out of debt. In April of 2010 we completed the journey to debt freedom and we managed to have it all paid off. It was tough and there were some lessons and setbacks along the way. We managed to make it.

I started writing a blog to try to express my thoughts and feelings on debt and to try to guide other people through the quagmire of debt repayment. After a year, I have finally decided to try to reach more people by taking this website to a stand alone web address. Welcome to Out of Debt Help!

So what was it that brought about our success? First and foremost it was my wife, seriously! She had never been in debt and disliked paying into the future for all the spending I did as a single guy. She was motivated to get rid of the debt and keep it out of our lives forever! Motivation was the first thing that brought about our success. We also owe a ton of success to the line my wife drew in the sand. You can’t get out of debt if you are still spending more then you make. You can’t get out of debt if you are still using your credit cards and lines of credit. Her line in the sand was cash or go without. The plan was so successful at cutting out spending that I had the extra money I needed in our budget go forward and pay off the debt at an accelerated rate. At times we were putting more than 30% of our take home towards the debt.

We are out of debt, so what is next? Well, I want to be a millionaire. I always have wanted to be able to state to family and friends that “I’m a millionaire.” My goal is to continue to save and live below our means. We are currently saving 20% of my take home pay. A goal isn’t a goal if you don’t have a deadline attached to it. I want to be a millionaire by the time I’m 40. That is 10 years to accomplish that goal.

My goal for this site is to help others. I would love to hear stories from other people that have climbed out of debt. I would love to see my readers have the same success at conquering debt that I have had. I would love for the entire country to climb out of debt. I want to see this country prosper, starting at the kitchen table.