{"id":6045,"date":"2019-03-11T03:13:02","date_gmt":"2019-03-11T07:13:02","guid":{"rendered":"https:\/\/marriagekidsandmoney.com\/?p=6045"},"modified":"2023-03-28T16:54:41","modified_gmt":"2023-03-28T20:54:41","slug":"how-no-spend-challenges-helped-one-woman-eliminate-78000-of-debt-with-jen-smith","status":"publish","type":"podcast","link":"https:\/\/marriagekidsandmoney.com\/podcast\/how-no-spend-challenges-helped-one-woman-eliminate-78000-of-debt-with-jen-smith\/","title":{"rendered":"How &#8220;No Spend Challenges&#8221; Helped One Woman Eliminate $78,000 of Debt &#8211; with Jen Smith"},"content":{"rendered":"\n<p>With nearly <a href=\"https:\/\/www.cnbc.com\/2019\/01\/09\/shutdown-highlights-that-4-in-5-us-workers-live-paycheck-to-paycheck.html\" target=\"_blank\" rel=\"noreferrer noopener\">80% of Americans living paycheck to paycheck<\/a>, most of us could use some help with saving a bit more.<\/p>\n\n\n\n<p>Our guest today, Jen Smith, is going to show us how. Jen and her husband paid off $78,000 of debt in just under two years. A huge factor in their success was taking advantage of &#8220;No Spend Challenges&#8221;.<\/p>\n\n\n\n<p>These challenges encourage you to halt all &#8220;personal spending&#8221; for a set period of time. This cold turkey approach could be an excellent solution for a large population of our country right now. <\/p>\n\n\n\n<p><!--more--><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"wpbf-responsive-embed\"><iframe loading=\"lazy\" title=\"How &quot;No Spend Challenges&quot; Helped This Woman Pay Off $78,000 of Debt - with Jen Smith\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/KQfm6Kcj_04?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What are we covering?<\/h2>\n\n\n\n<p>Jen and I discuss:<\/p>\n\n\n\n<ul>\n<li>How &#8220;No Spend Challenges&#8221; work<\/li>\n\n\n\n<li>The steps she took to pay off $78,000 of debt in 2 years<\/li>\n\n\n\n<li>Advice she has for others with large amounts of debt<\/li>\n<\/ul>\n\n\n\n<p>Jen's &#8220;in the trenches&#8221; personal finance knowledge is refreshing. After listening, you'll come away with some excellent strategies, <a href=\"https:\/\/www.modernfrugality.com\/frugal-living-tips-and-ideas-for-busy-people\/\" target=\"_blank\" rel=\"noreferrer noopener\">frugal living tips<\/a> and be ready to take your debt head-on.<\/p>\n\n\n\n<p><strong><em>SHOW LENGTH: 36 minutes<\/em><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">CLICK THE PLAY BUTTON ABOVE&nbsp;OR LISTEN ON:<\/h4>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/applepodcasts\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3386\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/Apple-Podcasts.jpg?resize=274%2C72\" alt=\"\" width=\"192\" height=\"50\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/googlepodcasts\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4181\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/07\/google_podcasts_badge@8x-300x76.png?resize=189%2C48&ssl=1\" alt=\"\" width=\"190\" height=\"48\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/spotify\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3448\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/listen-on-spotify-1024x359-1024x359.png?resize=183%2C64\" alt=\"Marriage, Kids and Money, Andy Hill\" width=\"196\" height=\"69\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/stitcher\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1762\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2016\/11\/stitcher.png?resize=128%2C47\" alt=\"stitcher\" width=\"195\" height=\"72\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/castbox\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4288\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/08\/castbox-button-1-300x110.png?resize=183%2C67&ssl=1\" alt=\"\" width=\"198\" height=\"72\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">About our Guest: &nbsp;Jen Smith<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6052\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2019\/03\/Jen-Smith-Saving-with-Spunk.jpg?resize=164%2C175&#038;ssl=1\" alt=\"Jen Smith from Frugal Friends Podcast\" width=\"164\" height=\"175\" data-pin-nopin=\"1\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Jen&nbsp;Smith&nbsp;is the author of Amazon best-selling book, <a href=\"https:\/\/www.amazon.com\/gp\/product\/197946460X\/ref=as_li_qf_asin_il_tl?ie=UTF8&tag=marri05-20&creative=9325&linkCode=as2&creativeASIN=197946460X&linkId=7aa2e7bad3d197bc6d06bb3e28574a63\" target=\"_blank\" rel=\"noreferrer noopener\"><em>The No-Spend Challenge Guide<\/em><\/a>, and co-host of the Frugal Friends Podcast. She and her husband paid off $78,000 of student loan debt in 2 years through lots of side hustling and cutting back.<\/p>\n\n\n\n<p>You can find her anywhere you listen to podcasts on the <a href=\"http:\/\/www.frugalfriendspodcast.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Frugal Friends Podcast<\/a> and on the web at <a href=\"http:\/\/ModernFrugality.com\" target=\"_blank\" rel=\"noreferrer noopener\">Modern Frugality<\/a>.<\/p>\n\n\n\n<p><iframe style=\"width: 120px; height: 240px;\" src=\"\/\/ws-na.amazon-adsystem.com\/widgets\/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=marri05-20&marketplace=amazon&region=US&placement=197946460X&asins=197946460X&linkId=144fa647f3cdb205f8fa79e0b0a05a18&show_border=false&link_opens_in_new_window=true&price_color=333333&title_color=0066c0&bg_color=ffffff\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\">\n    <\/iframe><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Show Sponsors<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><a href=\"https:\/\/marriagekidsandmoney.com\/VSP\" target=\"_blank\" rel=\"noreferrer noopener\">VSP VISION CARE<\/a><\/h4>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/vsp\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5998\" src=\"https:\/\/i1.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2019\/03\/VSP_Logo_wTag_RGB.jpg?resize=215%2C119\" alt=\"VSP Vision Care Insurance\" width=\"183\" height=\"101\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<p>See what you could save with an&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/VSP\" target=\"_blank\" rel=\"noreferrer noopener\">individual vision plan<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">MKM Podcast Resources<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4199\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/07\/Andy-Hill-Work-With-Me-Wordpress.jpeg?resize=344%2C147&ssl=1\" alt=\"Personal Finance Coach, Personal Finance Influencer, Personal Finance Speaker\" width=\"313\" height=\"134\" data-pin-nopin=\"1\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/marriagekidsandmoney.com\/PersonalCapital\" target=\"_blank\" rel=\"noreferrer noopener\">Personal Capital<\/a>: Track your net worth for FREE and receive a $20 Amazon credit!<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/personalcapital\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5685\" src=\"https:\/\/i1.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2019\/01\/primary-og-image.jpg?resize=295%2C156\" alt=\"Personal Capital Charts\" width=\"287\" height=\"152\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/marriagekidsandmoney.com\/fbgroup\" target=\"_blank\" rel=\"noreferrer noopener\">Thriving Families Facebook Group<\/a>:&nbsp; Join our new FREE Facebook Community!<\/p>\n\n\n\n<p><em><strong><a href=\"https:\/\/marriagekidsandmoney.com\/young-family-wealth-playbook\/\" target=\"_blank\" rel=\"noreferrer noopener\">Young Family Wealth Playbook<\/a>&nbsp;(FREE)<\/strong>:&nbsp; 7-Steps to Solidifying Your Family\u2019s Future Wealth<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/playbook\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3186\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/02\/3D-Book-Art-for-YFWP.png?resize=242%2C274\" alt=\"Young Family Wealth Playbook\" width=\"201\" height=\"228\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Money Master of the Week<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6054\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2019\/03\/Kenneth-Shook.jpg?resize=211%2C211&#038;ssl=1\" alt=\"Kenneth Shook\" width=\"211\" height=\"211\" data-pin-nopin=\"1\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Kenneth from Michigan recently paid off his Buick Enclave 2 years early! He's now driving a &#8220;paid for&#8221; car and lovin\u2019 it.<\/p>\n\n\n\n<p>The loan was originally set for 5 years and he and his wife decided to make extra payments until the loan was gone. <\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6055\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2019\/03\/Screen-Shot-2019-03-07-at-10.10.43-PM.png?resize=468%2C291&#038;ssl=1\" alt=\"\" width=\"468\" height=\"291\" data-pin-nopin=\"1\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Now they are focused on eliminating their student loans! With their determination, I'm sure they'll get there soon.<\/p>\n\n\n\n<p><strong><em>Kenneth from Michigan is our Money Master of the Week!<\/em><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Share Your Wins<\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5067\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/11\/Share-Your-Wins.jpeg?resize=268%2C151\" alt=\"Man Raising Hand in Celebration on Mountain\" width=\"254\" height=\"143\" data-pin-nopin=\"1\" \/><\/figure>\n\n\n\n<p>If you have a financial victory you want to share on this show, please leave me a&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/voicemail\">voicemail<\/a>&nbsp;(or an&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/contactme\/\">email<\/a>) and include the following:<\/p>\n\n\n\n<ul>\n<li>First name<\/li>\n\n\n\n<li>Location<\/li>\n\n\n\n<li>Your recent big win<\/li>\n\n\n\n<li>How you did it<\/li>\n\n\n\n<li>If\/How you celebrated<\/li>\n\n\n\n<li>Your financial plans for the future<\/li>\n<\/ul>\n\n\n\n<p>Your story will inspire others to save more, make more and plan for their family\u2019s future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Support this Show<\/h2>\n\n\n\n<p>If you enjoyed this episode, here are some excellent ways to support the show:<\/p>\n\n\n\n<ul>\n<li>Leave a review for the show on&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/itunes\" target=\"_blank\" rel=\"noreferrer noopener\">Apple Podcasts<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/stitcher\" target=\"_blank\" rel=\"noreferrer noopener\">Stitcher<\/a><\/li>\n\n\n\n<li>Leave a comment below<\/li>\n\n\n\n<li>Check out my&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/resources\/\">Recommended Resources<\/a>&nbsp;Page<\/li>\n\n\n\n<li>Subscribe to the show on&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/itunes\" target=\"_blank\" rel=\"noreferrer noopener\">Apple Podcasts<\/a>,&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/YouTube\" target=\"_blank\" rel=\"noreferrer noopener\">YouTube<\/a>,&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/spotify\" target=\"_blank\" rel=\"noreferrer noopener\">Spotify<\/a>,&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/googlepodcasts\" target=\"_blank\" rel=\"noreferrer noopener\">Google Podcasts<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/stitcher\" target=\"_blank\" rel=\"noreferrer noopener\">Stitcher<\/a><\/li>\n\n\n\n<li>Join our&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/fbgroup\" target=\"_blank\" rel=\"noreferrer noopener\">Thriving Families Facebook Community<\/a>&nbsp;\u2013 learn and help other families grow their wealth<\/li>\n<\/ul>\n\n\n\n<p>I truly appreciate the support everyone!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions?<\/h2>\n\n\n\n<p>I\u2019d love to hear from you!<\/p>\n\n\n\n<figure><iframe loading=\"lazy\" src=\"https:\/\/www.speakpipe.com\/widget\/inline\/huij2yyd5a3i5jsuq56vnxh5jwoftdy4\" width=\"100%\" height=\"180px\"><\/iframe><\/figure>\n\n\n\n<p>If you\u2019d like your question featured on the show, reach out and let me know. It would be my honor to support you in your journey toward financial freedom.<\/p>\n\n\n\n<p>Leave me a&nbsp;<a href=\"http:\/\/speakpipe.com\/mkm\" target=\"_blank\" rel=\"noreferrer noopener\">voicemail<\/a>&nbsp;or connect with me on&nbsp;<a href=\"http:\/\/twitter.com\/andyhillmkm\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter<\/a>,&nbsp;<a href=\"http:\/\/facebook.com\/AndyHillMKM\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/marriagekidsandmoney.com\/contactme\/\" target=\"_blank\" rel=\"noreferrer noopener\">shoot me an email.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Carpe Diem Quote<\/h2>\n\n\n\n<p><strong>\u201cIt\u2019s not the man who has too little, but the man who craves more, that is poor.\u201d <\/strong><\/p>\n\n\n\n<p><strong>-Seneca<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Could you do a &#8220;No Spend Challenge&#8221; for a month?<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Please let me know in the comments below.<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">SUBSCRIBE TO THE PODCAST TODAY (IT\u2019S FREE):<\/h4>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/applepodcasts\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3386\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/Apple-Podcasts.jpg?resize=274%2C72\" alt=\"\" width=\"191\" height=\"50\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/googlepodcasts\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4181\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/07\/google_podcasts_badge@8x-300x76.png?resize=189%2C48&ssl=1\" alt=\"\" width=\"194\" height=\"50\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/spotify\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3448\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/03\/listen-on-spotify-1024x359-1024x359.png?resize=183%2C64\" alt=\"Marriage, Kids and Money, Andy Hill\" width=\"190\" height=\"66\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/stitcher\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1762\" src=\"https:\/\/i2.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2016\/11\/stitcher.png?resize=128%2C47\" alt=\"stitcher\" width=\"195\" height=\"72\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/marriagekidsandmoney.com\/castbox\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4288\" src=\"https:\/\/i0.wp.com\/www.marriagekidsandmoney.com\/wp-content\/uploads\/2018\/08\/castbox-button-1-300x110.png?resize=183%2C67&ssl=1\" alt=\"\" width=\"199\" height=\"73\" data-pin-nopin=\"1\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-6076\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2019\/03\/no-spend-challenge.png?resize=599%2C1024&#038;ssl=1\" alt=\"How this woman paid off $78,000 in 2 years by doing no spend challenges!\" data-pin-description=\"How this woman paid off $78,000 in 2 years by doing no spend challenges!\" data-recalc-dims=\"1\" \/><\/figure>\r\n<\/div>\n","protected":false},"author":3,"featured_media":10667,"comment_status":"open","ping_status":"open","template":"","epcats":[675],"eptags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How &quot;No Spend Challenges&quot; Helped One Woman Eliminate $78,000 of Debt - with Jen Smith<\/title>\n<meta name=\"description\" content=\"125 | Jen Smith shares how she paid off $78,000 of student debt in 2 years by using &quot;No Spend Challenges&quot;. 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