27 Months to Debt Freedom

27 Months to Debt Freedom, Sammie Ellard-King of Up the Gains

Although his experiences with student loans and credit card debt were in the UK, the principles Sammie Ellard-King discusses that helped him get out of debt in 27 months and become a resource for his family, friends, and beyond apply to anyone in debt in any country. 

1. Effects on a child when parents have a bad relationship with money
2. Moving out on your own when you’re 17
3. Running a business while in college but spending every penny
4. How student loan repayment works in the UK
5. The problems with not seeing your student loan balance regularly
6. The trouble with credit card debt to fund a lifestyle
7. Keeping consumer debt secret from friends and family
8. Figuring out how much you need to retire based on your retirement age and life expectancy
9. Taking a class to learn to get out of debt
10. Paying off consumer debt in 27 months
11. Listening to podcasts and reading books on financial freedom for self-education
12. Sharing financial advice with family
13. Not letting financial mistakes get you down
14. The problem with personal finance books and blogs that talk down to you
15. Pay yourself first (saving and investing) before paying your bills

Links referred to in the episode, and how to connect with the guest, Sammie Ellard-King: 

Up the Gains Homepage 

Instagram @UpTheGainsMoney 

Twitter @UpTheGainsMoney 

LinkedIn @Up-the-Gains