Welcome to the Living That Debt Free Life 2019 Personal Finance Challenge!

If you are new to budgeting, paying off debt, and managing your finances, you’ve come to the right place! I’ve compiled 12 monthly challenges to get your 2019 financially on track.

Each monthly challenge contains one of the many steps I’ve taken to help me pay off debt faster.

If you’ve been paying off debt for a while, the information in these challenges is probably nothing new to you.

But, if you’re one of the hundreds who ask me each month how I’ve managed to pay off so much debt, then this is going to be so helpful to you!

The challenge is completely free to join! Each month, we’ll complete the challenge together and chat about it here on the blog in the comments down below and on Instagram.

I’ll announce each monthly challenge here on the blog and on my Instagram Page.

If you are participating, please feel free to leave a comment down below and let me know how it’s going! And, be sure to tag your challenge-related IG photos with #TDFL2019Challenge, so I can find you and cheer you on!! (TDFL stands for That Debt Free Life, my Instagram handle).

For all the monthly challenges, click HERE.

Prior Monthly Challenges

If you have done the rest of these monthly challenges, then you have tracked your expenses, made a zero-based budget, and eliminated one recurring expense from your budget. You’ve also tried using cash envelopes to keep yourself in budget, going 15 days out of the month without spending, and reducing your eating out budget, and setting up your sinking funds. You’ve also protected your dependents by getting life insurance.

If you haven’t done the previous month’s challenges, that’s ok. You can complete these challenges at any time. Here are the challenges from January, February, March, April, May, June, July, August, September, and October.

Ready to get started? Here’s this month’s challenge!

November 2019 - Increase Your Income!!

This month’s challenge is to increase your income. With the Christmas season upon us, there is no better time than now to take some action to increase your income. There are tons of ways you can do this. Here are a few suggestions:

• Ask for a raise

• Apply for a new job

• Work some overtime

• Pick up an extra job (Target is hiring seasonal help starting at $13.00/hour)

• Start a side hustle (There are tons of ideas in my saved stories on Instagram about side hustles—many you can do from home or with kids, so don’t let that stop you!!)

• List some things for sale online (I love Facebook Marketplace and just picked up $35 to throw to the debt snowball after selling an edger we didn’t need anymore this weekend).

RELATED: Three Things We Did to Increase Income on Our Debt Free Journey

Final Words

Don’t forget to tag your social media photos with #TDFL2019Challenge!! I want to encourage you and cheer you on this month! I want to congratulate you on taking steps to getting closer to meeting your financial goals by increasing that income! Let me know what you decide to do. For more great inspo, check out the comments on this Instagram post about this month’s challenge!

Then meet me back here next month for December’s challenge! Good luck, everyone!! You’ve got this!!

Oh! And, as always for bonus points, complete January’s Challenge and February’s Challenge, again this month, in connection with October’s challenge. That’s what I’m going to do!