"When I sit down and talk with people about their finances, the most common response I hear is: 'Oh, our finances are pretty good. We don't have a ton of debt and our bills are always paid. Our credit score is great and we feel like we are doing things right, but we just aren't getting much traction.' As with most financial situations, the problem often isn't with the set expenses such as rent or electricity. It is with the expandable necessities such as food, clothing, and transportation." ~ Annika, Financial Coach and Author of 23 & Debt Free How can you make traction? What expense(s) is consuming your paycheck? What can be done to allow you to take control of your finances? How can you achieve financial freedom? You might have thought about these questions or even fought with your spouse over them. We have! With almost $100,000 in debt and a baby on the way, Annika and her husband knew they needed to find a way to reign in their home expenses and pay off their debt. In 23 & Debt Free, Annika tells the story of their debt-free journey including tips and insight on how to cut costs. From shopping around for the best deal to completing home repairs yourself, these tips are not difficult but they will give you the tools to change your everyday behavior in order to achieve financial freedom.