A somewhat inspirational story from Yahoo! Finance:

“We made a spreadsheet of our debts and listed them from smallest to largest,” Emily explains. “We started with the smallest and went from there — although we tackled the car payment before another, smaller one, because the interest rate was so high we wanted to get rid of it. When we paid each debt off, we just stuck that minimum payment onto the next one.”

The Adlers tackled their debt aggressively, to the point where they put any extra cash at all, like a holiday gift, towards their debt, and didn’t allocate a dollar to buying clothing. “By the end of it, we were wearing clothes with holes in them,” Emily shares.

Well, that’s one way to do it. I’m not sure the profile of these debts, but the wife referred to the “car payment” in the singular. So that’s probably one car and a whole bunch of credit cards. If that’s the case, then this couple went about this in a smart way: they changed their lifestyle in order to build new habits.

This couple is probably feeling pretty good right about now. They’re in great financial shape, and they’ve learned to live below their means. All that income they were putting toward debt payment they can now use to pad their savings, fund their 401(k)/IRA, start a business or invest in real estate.

They have mastered the art of financial self-discipline, and the future looks bright for them.  Zen Credit Repair salutes these two.