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Paying off debt sounds dramatic and exciting in headlines. But my journey? It wasn’t thrilling. There were no giant windfalls or viral side hustles. I didn’t win the lottery or sell a startup. I just took tiny, boring steps — every single day.
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It started with a spreadsheet. I listed every single debt I had — credit cards, a personal loan, and an overdraft. Seeing the total amount was overwhelming. But I didn’t let that stop me. I picked the smallest one and decided: this is where I begin.
I made minimum payments on everything else and threw every extra rupee at the smallest debt. Even ₹500 from skipping a weekend dinner out went straight to it. It didn’t feel like much at the time, but after a few months, that first debt was gone. That little win gave me a big boost.
Then I moved to the next one. I sold things I didn’t use — old gadgets, clothes, furniture. I picked up small freelance gigs on the weekends. Nothing flashy, but consistent. Every little bit added up.
The biggest game-changer? I stopped emotional spending. I stopped buying things to reward myself for a bad day. Instead, I found free ways to feel better — walks, journaling, talking to a friend.
I didn’t share much with others. No big Instagram moments. Just small, quiet wins that slowly added up. And month by month, my debt shrank. Until finally — it was gone.
There was no magic secret. No shortcut. Just small, repeatable habits: budgeting, tracking, saying no to things I didn’t need, and staying focused.
Debt didn’t disappear overnight. But step by step, I took back control. And honestly? That boring journey felt better than any shortcut ever could.
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