Debt Free Living Podcast-018 Crystal Stemberger

Listen to Episode 018

Crystal Stemberger from and joins us today to share how she and her husband paid off $39K in student loan and car debt. In addition, they are on pace to have the cash saved up to pay off their mortgage this May! Crystal never really like debt growing up, and the idea of having to owe somebody money was never her idea of fun. But she got the idea to get out of debt by reading personal finance blogs. Eventually, after a few months, she convinced her husband to get on board and they worked together to knock out their debt.

The whole process ended up being easy for them because they knew what they wanted. “Once you know what you want, then it’s not work to do it.” The key to getting her husband on board was having the “fun money” category in their budget as well as seeing their debt go down each month.

Crystal started her first blog Budgeting in the Fun Stuff in February 2010. On her blogs she posts information such as her budget, net worth, site visits, and even her own weight. Doing that has motivated her to go harder and stay honest. She started over a year ago right after she quit her day job to pursue self-employment through her blogs. She has found her niche in negotiating ad deals for blogs. Her customers exploded from 1 to 300 customers in only a little over 6 months. Additionally, she makes over 5 times the annual income she was making at her previous job! Not bad for somebody who got into blogging just as a hobby.

Crystal’s advice to young couples is to sit down and write everything that you spend money on during an entire month. Then prioritize your spending, eliminating the spending that is not important to you.

You can subscribe to the Debt Free Living Podcast either through Feedburner, iTunes, or Stitcher SmartRadio! The podcast can be found in iTunes under the JW’s Financial Coaching Podcast. If you subscribe you will receive both the JW’s Financial Coaching Podcast on Mondays and the Debt Free Living Podcast on Thursdays.

If you enjoyed this episode please leave a review in iTunes. For a step by step video of how that works please watch this video on how to leave a review in iTunes. Big thanks to my friend Glen Steinson for helping me create the video.

If you would like to take the steps necessary to start living debt free I would love to be a part of your journey. Here’s how I can help


About Jon White

Giving people hope and seeing them win with their finances is something I have a strong passion for. Because of this passion I started JW’s Financial Coaching in the summer of 2010. Financial coaching has allowed me to combine my passions of finances, teaching, and helping others by helping people get on the right track financially. I'm interested in hearing your story so please do not hesitate to interact with me through social media.
This entry was posted in Budgeting, Debt, Debt Free Living, Guests, Marriage, Mortgage, Personal Story, Podcast, Spending and tagged , , , , , . Bookmark the permalink.

3 Responses to Debt Free Living Podcast-018 Crystal Stemberger

  1. Meg says:

    What a great show! This was very inspiring…and a paid off mortgage by May?!? WAY TO GO!! Awesome!

    • Jon White says:

      I agree Meg! What Crystal and her husband have been able to do in such a short amount of time is pretty amazing! They are an inspiration to all of us who are looking to be 100% debt free including our mortgage!

  2. Pingback: Weekly Favorites, Gratitude, and Giveaways #64 | Budgeting In the Fun Stuff

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