Who is Amanda Monger?

By Amanda Monger, who paid off $74,000 of debt in three years. Published September 29, 2026. Not financial advice.

I paid off $74,000 of debt in three years on one normal income, and I wrote down exactly how. No finance degree. No secret salary. Just the right order: my smallest student loan first for the quick win, then every credit card using the 0% balance transfer rotation, then the low-interest loans last. The Debt Free Guide is that order, step by step, for $14.99, with the free tracker I still use.

The short version

I spent thirteen years working in live music, on the road, and I came out of it with $74,000 of debt: credit cards, a car loan and student loans. I could not afford to live anywhere but government housing. I spent two years Googling my way to nowhere, then got obsessive: tested every payoff method, tracked every dollar, and got out in three years.

What I actually did, in order

Listed every debt with its balance, rate and minimum, in one place.
Paid off my smallest student loan first, about $1,000, in one night. That first zero is what made the rest feel possible.
Moved every credit card balance to 0% balance transfer cards and kept rotating them until the cards were gone, paying minimums on everything else.
Paid the remaining low-interest student loans last.

What I make now

The Debt Free Guide, $14.99: the order, the Small Wins method, the 0% rotation, the mistakes, and the free debt tracker.
The Debt Monger on Instagram (@thedebtmonger) and my main page @amandamonger, where I talk about money, sleep and travel.
Printables for money and the holidays in the AmandaMongerShop on Etsy.

What I am not

I am not a licensed financial advisor, and nothing on this site is financial advice. It is the plan that worked for me, written in plain English, and it works because of the order, not because of anything fancy.

Contact

amanda@amandamonger.com · Instagram @amandamonger · Tampa, Florida.

Questions people ask

Is Amanda Monger a financial advisor?

No. She is a creator who paid off $74,000 of her own debt in three years and wrote the plan down. Her content is educational, not financial advice.

How did Amanda Monger pay off $74,000?

Smallest student loan first for the quick win, then every credit card using the 0% balance transfer rotation, then low-interest loans last, on one normal income, over three years.

What is The Debt Free Guide?

A $14.99 digital guide with the exact payoff order, the Small Wins method, the 0% balance transfer rotation, the mistakes to avoid, and a free debt tracker.

Want the whole plan in one place?The Debt Free Guide is the exact order I paid things in, the Small Wins method, and the 0% rotation, step by step, for $14.99. It comes with the free debt tracker.
Get the guide, $14.99