The Official 2021 Debt Smackdown

Welcome to YNAB's 2021 Debt Smackdown!

Happy New Year! 2021 is going to be a good one, I can just tell - or we can will it to happen 馃槈

With over 500 participants and more than $4.2 million in debt payoff, 2020 was absolutely incredible for the debt smackdown group! I know some of us are still left with debt to knock out in the new year or you're joining in for the very first time. Either way, you've come to the right place. We'll use this group for accountability and support as we crush some (or all!) of our debt in 2021!

First, a quick shoutout to BritishMuseum - they have hosted our debt smackdown for the last few years and became DEBT FREE at the beginning of 2020! What an impact their work has made on this community!

If you want to pay off some debt this year, here's how it works:

1. List the amount of total debt that you owe. 
This step is to give you an awareness of your current debt situation. Feel free to share, this forum is a safe and nonjudgmental place. You can also decide to keep this information private, you don't have to post your total here if you are not comfortable doing so. 

2. Post in this thread the total amount of debt you would like to pay off during the 2021 calendar year. (This part is required.) 
Feel free to break down the amounts by credit card/type of debt. Also, if you have a specific plan or some ideas on how you plan to pay down the debt, you can post that too. Maybe your plan will spark some ideas for others on how to tackle their own debts!

3. Post monthly on the 2021 Debt Smackdown Sheet to track your progress. (required)
Claim a line on the spreadsheet, and post your total debt to be paid off, and the monthly amount that you send off towards it. Some people track their total payments and don't account for interest, some people account for principal only. The method you choose is up to you!

4. Check in monthly in this thread and report on how your debt smackdown is going. (required)
We'll be testing out some reminders this year when the month rolls over because we want to hear everyone's progress! Bookmark this thread and sheet so you can find it quickly at the beginning of the month!


If you come across this challenge later in the year, no worries, you can always jump right in. Just put zeroes in the months where you had not joined the challenge yet, and start in the month you join in.

Pro-tip: You can use ctrl+F (or command+F on a Mac) to search the spreadsheet for your name when the sheet gets filled up.

Last year, we paid off over $4million! Let's make 2021 even stronger!

In the event you have any issues with the sheet - please tag or DM Veronica or Faness

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  • I'm back for 2021, and I've claimed Line 35! Continuing to pay down the same debt balances I was last year, and starting off with a total of $50,805 in non-mortgage debt. I'm aiming to pay off at least $6,000 of that this year, with a stretch goal of $8,000. Let's do this! 馃槑

    Like 5
      • Violet Rain
      • ElectroNecroMancer
      • Violet_Rain.3
      • 3 wk ago
      • 6
      • Reported - view

      January Check-in!

      Total of $444.03 paid towards debt this month. Looks like my federal student loan payments have been suspended due to economic relief from the pandemic, so I only paid on my private loan. I only have one, so the entire payment went to that instead of being split up across several different federal loans. I only have about $3000 outstanding on my private loan, so hopefully I can knock out most or all of it this year and then snowball that into the other loan payments!

      Also, thanks to reading something that farfromtheusual posted I have decided to increase my monthly car loan payment from the minimum due of $213.27 up to a round $250. This extra amount should cover interest plus a little extra to the principal each month, allowing me to pay off that loan just a little sooner. 

      All in all, a strong start to the year. Here's to many more months of progress in 2021! 馃槑

      Like 6
    • Violet Rain Woot!! That's awesome! Way to go!

      Like 1
  • Hoppin' on Line 33.  Let's get this challenge started! 馃帀

    My husband and I have a stretch goal to pay off a personal loan of $7000 this year - our debt paydown timeline puts us well over a year to pay it off, but I've got my eye on the prize. 馃槑 So, we're doing some extra savings challenges (Like the 34 Day Reset!) to put a little extra cash toward the loan! Can't wait to track with everyone else's progress and see how much debt this awesome community can kick this year!

    Like 8
    • January 15: Check in - line 33! 馃尶

      We're doing a version of the 34 day reset - it's basically a no-spend January, to see just how much we can save to put towards our debt.  I have been really surprised by just how much we can do when we choose not to eat out or make spontaneous, unnecessary purchases. (though semi-budgeted for, thx Stuff I Forgot To Budget For category 馃槈) Some of this extra push came from a windfall too, of about $300.  While I've enjoyed seeing how much we can save without extra spending, I do miss some of those simple pleasures like not having to cook eating out... so no-spend January will definitely be ending with January. 馃槀

      Progress so far:

      Payments made: $1000

      Balance remaining: $6000

      ---

      Payoff Goal:$7000 

      Paid so far: $1000

      14.29% of goal met!

      Like 9
    • Lauren WooHoo! Go you good thing 馃帀馃敟

      Like 2
    • February 25: Check in - line 33! 馃尶

      February was just not our month. 馃槄 Between my husband's work moving offices and very cold weather, we were not having the best time...then, Murphy stumbled into the picture. A fender bender with our 2006 Pontiac G6. 馃槶So, this month's debt payment was WAMed for a shiny new bumper. 

      Alas, not our finest hour, but we'll be back on the horse in March! We're hopeful for a decent tax return this year, so fingers crossed for an extra push next month!

      No new progress, still sitting at $6000 remaining balance and 14.29% of our goal met. 

      Like
      • Violet Yeti
      • Violet_Yeti.13
      • 56 min ago
      • Reported - view

      Lauren hang in there, Buckaroo 馃 You鈥檙e doing great!!

      Like
  • I'm back for 2021 and on line 36.  Last year was my first year of the Debt Smackdown and I was able to knock out almost $14k in principal (in addition to ~$4.5k in interest...OW!).  My goal last year was $20k in principal and I'm going to shoot for that again this year.  2020 certainly taught me that things can go sideways fast, despite my goals and intentions.  Happy 2021 and best of luck to you all!!

    Starting balances:

    Car Loan - $9,655.51
    Personal Loan - $27,433.00
    Student Loan - $36,846.61

    Like 7
      • Gfamily46
      • Forest_Green_Python.5
      • 10 days ago
      • 3
      • Reported - view

      A little late on the February check-in, but it's been busy!  2020 was full of financial drama for us, so thankfully there was not much of note in January.  Since the 0% interest on student loans was extended, we're only paying on the car loan and personal loan right now.  We're technically still making our regular student loan payment, but just keeping it in our account until the interest-free period ends.  The plan is to pay whatever we have saved right before interest kicks in and that will knock out a nice little chunk of principal.

      Car Loan - $9,655.51/$9,461.37
      Personal Loan - $27,433.00/$26,899.29
      Student Loan - $36,846.61/$36,846.61

      Like 3
  • Happy New Year! I claim Line #37. Last year we tackled $75ish-K of debt (PTL)

     

    Brief history: Hubby has been a truck driver for 40+ years. I spent 26 years in the classroom. During my last year teaching, we were focused on cutting spending in order to attack debt.

       ...Me: The problem is the deep hole (debt).

       ...Him: This would be easier if you had a bigger shovel. ($$$)

     

    Fast forward to 2020. We were in month 6 of team driving when Covid-19 burst into the scene. Our company pivoted from delivering retail goods (malls closed) to "freight of all kinds." Our grandkids were kept home to protect the old people, so we had too much time on our hands. 

     

    In the end, my 2020 income averaged $2200/month more than my 2019 income. His 2020 income averaged $1175/month more. That boost, coupled with our original snowball, made a huge difference.

     

    The goal for 2021 is to tackle both vehicles. Current total for both: $69,591.05. Car= $38,625; Truck= $30,966.05

    Once those are paid, we must invest for retirement & pay off the mortgage. 

    Like 8
      • Coral Mare
      • Rolling Along on this Debt-Free Journey
      • Coral_Mare.6
      • 1 mth ago
      • 2
      • Reported - view

      Coral Mare Mortgage balance between 1/1/20 & 1/1/21 decreased by $3,872.42.  This includes rolling the refinancing costs back into the loan.  Let's see if bi-weekly payments help the balance drop, even when the house isn't the focus debt.

      Like 2
    • Coral Mare So awesome that yall are team driving. My BF has suggested that before, though I don't know that I could get my CDL. He's an amazing driver, though, but he only does local stuff. My mom had friends that got deep into debt, and decided to sell their house and get a rig and their licenses and they paid off their mortgage and debt within a few years, and then stopped driving to settle down. It's a really powerful tool if you choose to leverage it! Kudos to yall!

      Like 1
  • Checking in for 2021! Line 40. Very excited for Year 2 of our Debt-Free plan! 

    Total Debt remaining $35,547. Car loan + Student Debt. 

    Plan to pay off this year: $13,368. My husband's last student loan should go in just a few months, after which we will attack the car loan.

    January update: Paid $1313.67 towards debt. 

    Happy New Year, y'all! Wishing all a kinder year full of hope.

    TTR

    Like 8
  • Working on paying off student loan debt this year. It's all we have left besides the mortgage.

    The highest point of this debt was Oct 2019: ~$70,900

    Current: ~$38,170

    It's been tremendous progress when I look at those numbers, and yet it feels like soooooo far to go!

    This year we're aiming to pay $20,468.04 toward the debt. It's an aggressive amount for us, but, I think, do-able.

    I've claimed line ID 24.

    Like 9
    • Orchid Guitar 

      January Check-In: $1,855.67

      Like 4
    • Orchid Guitar 

      I forgot to make one point for clarity and for others who are in this complex time of student loan debt payoff... We have been holding back the cash for our student loan debt payoff until the interest begins again. It's safely stored in its own bucket. The amount I will list in the debt smackdown is the amount placed in the bucket each month.

      Our Thinking

      We decided with the uncertain times that we would keep the cash as long as possible. We both are disciplined and know that it would be a true emergency for us to spend the money. It allows us options, though. We're a one income family, and while that job seems secure, we'd rather have the options as long as we can.

      Like 4
    • Orchid Guitar that sounds really wise. And it will be fun when you can make one giant payment when the time comes!

      Like 2
    • farfromtheusual 

      So, so true! I am very excited to see the drop right before interest starts up again! I think that's part of the difficulty of waiting is I don't get the satisfaction each month of seeing the principal go down. But, when it does, it will be fun!

      Like 3
    • Orchid Guitar you're right, but just think of how big of a drop it will be when you make that huge payment!! THAT is going to be awesome!!!

      Like 2
    • farfromtheusual 

      Yes, I have dreams of that day :)

      Like 2
  • HAPPY NEW YEAR!! Last year I was line 18, this year I'm line 41. Super excited to see folks excited to get after it this year. Last year I did not make great progress. Overall, despite making some solid dents in a few months, I ended up down less than $1,000 overall in principle balances. This year, I'm looking to change that. I come into the year with slightly over $56,000 in consumer debt, not including my mortgage. The goal for the year is to pay off at least $16,500 of that. The main key is to NOT take on new debt. Not for vacations. Not for trips. Not to pay off any bills. 

    Wishing each of you the best journey possible!!

    Like 8
  • Hi!  I claimed Line 39, with a total debt of $21,209.09.  I just did my budget this morning and already allocated $2,633.63 towards paying this down. 

    I discovered YNAB in 2016 and have found that it has really helped reshape my relationship with money.   However, this past year my discretionary spending was very high and I justified it in the beginning knowing that I have a secure job and savings to pull from.   Now I'm not so sure about the future and I want to have a clean as slate as possible should things change.  My goal is to pay down my debt in the next year or two.

    My debt is split between two cards - my primary credit card and one linked to my Amazon account.  Most of the debt is on the primary, almost $18k, which I was expecting when I checked a few minutes ago but still made me cringe to see.  I can reliably pay $1,500 minimum a month and tend to pay around $2,000 a month.    My plan is to pay $500 a month on the Amazon card and $1k+ on my primary credit card.

    I'm joining to make myself more accountable and to hopefully find encouragement and inspiration in everyone else's journeys.

    Like 6
  • Let's go, team! I just claimed line #42. My partner and I made our first-ever Fresh Start and set some goals yesterday to crush our pesky car loans this year. 馃帀

    His Car: $3000
    My Car: $8,000    
    Total: $11,000    

    We're planning to tackle this with an even split over each month of the year. We'll also use any windfalls to tackle it faster, then adjust the monthly amount accordingly! Let's get it!

    Like 9
    • Rachel January check-in: $917 down!

      January always feels easier to fund than other months. My partner typically gets some kind of end of year bonus and we also have Christmas gift money to work with! 

      We've got a privacy fence project in the works for February or March, so we're toying with the idea of a no-spend Feb to make sure we can keep meeting all of our goals in addition to paying down these cars. 

      We're also toying with the idea of becoming a one-car family - would love to hear from folks who've done this. Was it an easy change? Were there unexpected downsides? 

      Like 3
    • February check-in: another $917 down! Slow and steady and boring 馃槅

      Like 5
    • Rachel Slow, steady, and boring is good, right!?

      Like 1
    • farfromtheusual 100% absolutely!

      Like 2
  • Claimed line 44 with a total of $17,000 total debt all in student loans spread over 3 servicers  of which my target this year is $6000 and take down two servicers.

    Like 4
  • I saw there was a blank spot for #43, so I claimed it. Last year I participated and was able to pay off about $9k out of $72k-ish. So this year I actually have a benchmark. Most of that payoff was from a large tax refund; I won't be getting that much this year, so I'll have to be more creative. My grand total debt right now is $64,601 across 3 credit cards, auto loan, student loan, and daycare bill. My goal this year is to pay off credit cards, about $6,300. If I reach that goal, then will focus on the auto loan. I am using Undebt.it to make a payoff plan, which is a combination of avalanche and snowball. I'm paying off Capital One first with $383, then Discover card with the bulk of the balance @ $5519, then lastly Chase with $324 (this balance is a 0% interest purchase). I used the IRS Tax Withholding Calculator to see how I can change my W4 to allow for less taxes taken out per paycheck, so I hopefully that will get me a couple hundred more per paycheck. I'm also going to reduce the Employee Stock Purchase Plan contribution from 2% to 1% to give me an extra $20ish as well, per check, though I think I missed this quarter's window to make the change, so I'll do that for next quarter (I have previously used this account to pay for expenses I didn't have covered, like my car brakes 1.5 years ago [$1.4k] and some will remember my Lizard Spending 6 months ago [$1k], but I'd like to stop touching this and let it build with a goal of using it for purchasing a house in the future, I can change the contribution every quarter). I'll also be getting a merit increase for normal wages, I'm hoping for around 3%. I'm looking forward to see how we do this year!!

    Like 5
    • Cinged aww, I do remember your lizard purchase :) How is the lizard doing??

      Like 1
      • Cinged
      • Cinged
      • 1 mth ago
      • 5
      • Reported - view

      farfromtheusual Combo Panda is doing great! We watched Wonder Woman 1984 last night after his bath and just chilled out for half the night. I've let him run around my son's room, and likes to find the smallest spaces to fall asleep in where it's difficult for me to reach or even find him, lol. He's shed around 3 times in the last 6 months and getting big! He doesn't pancake as much when I pet him, and even ran to me this morning when I went to feed him; usually he waits on his hammock until the bugs are in, but today ran up and waited for them. He really is an awesome little guy. 

      On a side note, I totally just realized I can add pictures on here. 

      Like 5
      • Cinged
      • Cinged
      • 1 mth ago
      • 2
      • Reported - view

      I also just learned about the Community Journals, so I started one

      Like 2
    • Cinged OOOoO!!! SO cool! That's awesome that you are finally developing a relationship and some trust! That has to feel so good!!

      Like 1
  •  Veronica , Faness , I claimed line 43, then realized that cell I (eye) 48 has a reference error. 

    Like 1
    • Cinged Thanks for the heads up! That's all set now!

      Like 2
      • Cinged
      • Cinged
      • 1 mth ago
      • 2
      • Reported - view

      Veronica Thank you so much!

      Like 2
  • Line 46 for me.    Not a very aggressive goal this year, but it needs to happen so I can start snowballing bigger loans.     $3326.00 in personal loans, care credit cards, and one regular credit card.

    Like 5
    • mander82 I always feel like I have tiny goals compared to so many - but debt is debt, and what is a lot for some may not be for others, and that's ok. I haven't posted my numbers yet, but I'm only going to be paying about $3600 toward my debt this year, and it will actually be a bit less than that due to the interest. You can only work with what you've got, and every little bit is important! You're in good company!

      Like 5
    • mander82 any intentional goal is a good goal! I accrued CC debt quickly around 2016/2017 due to a variety of life circumstances, and it was only until about midway last year that I could pay more than the minimum payments (I usually tried to at least throw a hundred extra dollars or something to make a dent in interest). Last time I went (non-mortgage) debt-free I also did the snowball method; getting that first card paid off felt painfully slow but once each debt disappeared it was so freeing to see progress accelerate.

      Like 4
  • Hello all! This is my second year here, it's good to see everyone again. I have claimed line 45 for my debt, which includes one credit card and 16 (!) federal student loans which are the bane of my existence.

    Chase Sapphire Preferred: $1,490.93

    Student loans: $108,584.69 principal + $9,080.93 interest = $117,665.62

    Total debt as of January 1st: $119,156.55

    The Chase card will be paid off this month between payments and the sign-up bonus. Student loans are frozen for now due to COVID relief but will start back up again on February 1st. They range in size from $698.97 to $23,523.24. Since there are so many discrete loans I won't list them individually here, but I will be using the snowball method since I'm a sucker for positive reinforcement.

    My payoff goal for 2021 is $10,000.

    Like 7
      • Cinged
      • Cinged
      • 1 mth ago
      • 1
      • Reported - view

      Gold Projector Are your student loans a mix of subsidized and unsubsidized? Mine is a mix, so some of interest and some don't. I have each one added individually in a tool called Undebt.it, and it shows all the different payoff types so you can see how much you'd be paying off overall and how much paid in interest. If you have some that are non-interest, maybe doing snowball with the interest loans first would help cut down on the interest you have to pay?

      Congrats on your progress thus far, and good luck on your goals this year!! 

      Like 1
    • Cinged I also have a mix! You're right, I should prioritize those. I'm applying for an income driven repayment plan so I'm thinking FedLoan will take that minimum payment and allocate it as they see fit. Past that any additional snowball money would be best used to knock out the unsubsidized loans. Great idea, thank you!!

      Like 1
    • Gold Projector January check-in:

      Chase CC: paid $1,490.93 (PIF)

      Student loans: paid $100 to the smallest loan

      Total paid in January: $1,590.93

      Beginning 2021 debt: $119,156.55

      Current debt: $117,565.62

      Like 3
  • Claimed line #47. This challenge was a great motivator last year. I paid off my student loan! My only non-mortgage debt remaining is a car loan with about 14K. My goal is to half that debt this year. Good luck to everyone!

    Like 7
  • I always want to join, but forget until the middle of the year. I think this year is my year. I have about $30,000 left and I鈥檓 ready to kick butt.

    Like 10
    • AmandaCham Welcome to the party!

      Like
      • AmandaCham
      • I love budgeting!
      • Amandacham
      • 1 mth ago
      • 1
      • Reported - view

      farfromtheusual thank you. It does seem lovely here.  

      Like 1
  • Managed to pay off a good chunk last year. Looking to pay off one credit card in full.

    Card D -- $11,158.09
    Card B -- $10,825.19
    Auto -- $16,436.92

    -------------------------------------
    Total Goal for this year: $19,329.97

    Like 6
  • Line #51: Haven't paid any last year, however, if I can get at least $5K , I'll be happy! Rebuilding everything over here

    Like 4
      • Cinged
      • Cinged
      • 1 mth ago
      • Reported - view

      Opal Freshness Gotta start somewhere! Welcome, and good luck on your goal!

      Like
  • I've put all my current debt up there, even if I expect to pay some this month. The goal is to clear it all this year. I hope to because there is some family money expected to come. However, I'm also expecting to get another 20k debt this year for medical. The goal is to make sure that I'm keeping that debt in check and making sure I pay it off.

    LOC: 16,178.09
    CC: 993.10
    BTC: 6,409.04

    = 23580.23

    Good luck everyone!

    Like 8
  • Hello, YNAB Debt Smackdown peeps!

    Claimed line #53 for this year. Tentatively set the same goal for this year as 2020, to pay down $12,000 in student loan debt. I've been keeping track in my journal over here, and for 2020 was able to put a bit more towards my loans with a total of $12,700 towards them. My stretch goal was to get my balances below $20,000, but didn't quite make it (but I came within just under $500 of making it, so I'm thrilled!).

    This year if I can keep up the momentum, I'll get well below $10,000, and I'm so excited to see that happen. A few years ago when I finally decided to see where I was truly at, I discovered I was maybe 10k below the original borrowed amount, which set me on a path to pay them down. That plus a colleague of mine retired last year but is *still* paying off student loan debt, and their story helped spur me to push even harder to get out from under them.

    Cheers to all of you in this awesome community for being steady fellow debt-crushes, and I'm excited to see what we rock in 2021!

    Like 12
      • Cinged
      • Cinged
      • 1 mth ago
      • Reported - view

      Spider Plant Still paying off student loans after retirement?? Oh man, that is a wake up call, isn't it??  Congrats on your progress last year, and Good luck this year!!

      Like
    • Cinged Right? I was already putting extra towards them by the time I learned that, but it gave me even more drive and helped me shuffle my budget for even more ways to push for these to be done. I just started year 11 of paying mine (they were 25 year loans) and I should finish at a little less than the halfway mark, hopefully. Thanks for the luck and cheers for your goals this year too!

      Like 1
  • Hello all,

    I have claimed line 54 this year. It is my second year of the challenge and we did a great job last year in slightly exceeding our goal (103%). We are aiming for a similar repayment amount and plan as last year. I have a spreadsheet with all of the payments forecasted on it as we are using a snowball approach. We budget for interest separately and I found it was an interesting statistic to look at over the course of the challenge at the end so will be tracking it from the beginning this year.

    Goal - $35,687.66

    Good luck to all on getting through the year!

    Like 9
    • Navy Blue Pegasus 

      First month we have successfully made the planned repayments. I am quite happy as the balance is under $3k on that particular card. We are hopeful that next month we will be able to pay it off if we can scrape together an extra $588 (psychological for me to pay off the card, not a big change in the grand scheme)

      Start $35,687.66

      Current $33,380.28

      Interest Paid $201.77/$201.77

      Like 4
    • Navy Blue Pegasus I did the same thing with my CC this month. I had to reprioritize some funds I would've used to getting a full month ahead, but paying off the CC felt better and a bigger accomplishment.

      Like 2
    • Navy Blue Pegasus I am very excited to announce that our credit card is paid off!! Woohoo! 馃槃馃帀馃帀 There may be a small amount of interest next month but it is out of here! Now we are onto our final credit card for payment. Based on our current plan, we will have it paid off in Feb 2022.

      Start $35,687.66

      Current $30,484.22

      Interest Paid $166.47/$368.24

      Like 7
    • Navy Blue Pegasus WAHOOO!! Congrats!!!!!

      Like 2
  • Hello I鈥檓 line 55.  I have one credit card and a personal loan for 2021.  The current balance in $22,209.27. The credit card is currently the focus debt.  I hope to complete both of them this year.  

    You can follow my  journal 

    Good luck to everyone!!!!!!

    Like 5

  • How do I find the spreadsheet to sign up?  I want to join  I'm only 6 months into using YNAB but its been a life changing move for me!

    Like 2
    • Slate Blue Cartridge You can head to the spreadsheet here and add your numbers! Update us in this thread when you're ready!

      Like
  • Claiming Line 61#  Excited to be on a mission to pay down debt this year!

    Like 2
    • Slate Blue Cartridge I am actually line #56  

      Like
    • Slate Blue Cartridge   My goal this year is to start attacking our (almost maxed out) LOC.  It is at 96,696 with a $100 K cap.  This is obvi not great for credit utilization data that feeds our credit scores.  I have been paying only the minimum payments(interest only) for years... and it is time to get serious and pay this off before the end of my draw period in 2025.  If I can pay $2000 a month for the next 54 months it will be paid off in full by 6/2025! Let's go !!!

      Like 4
  • Hi, I  joined YNAB in November! I am thoroughly enjoying the webinars, podcasts, YouTube videos,  and the fb community. I am embarrassed to say that my husband and I have 173k in CC, 2 vehicles, personal, and student loans. We are not young, retirement is not far off and we have little saved. It looks like it will take 4.5 years to payoff everything except for house. I am hoping this debt smack down will keep motivated and would love to have it all paid off sooner than 4.5 years! 

    Like 6
    • Maroon Sloth We'll help you stay motivated so you can meet your goals. This is my second year doing this and having to be accountable each month for what I've done even if it was just the min that month I was excited to see my goals balance dropping each month. And the rush you will get when you get that first thing paid off will also help. Best of luck to you. :)

      Like 3
      • Maroon Sloth
      • Nurse
      • Maroon_Sloth.14
      • 1 mth ago
      • 1
      • Reported - view

      Maroon Sloth My goal is to reduce debt by 36k this year! 

      Like 1
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