01 Oct 2025 2 min read

🏔️Monthly Debt Climb Recap – October 2025

$839.82 might not seem like a lot of debt payoff relative to my debt but I couldn't be happier with it. Great September! Time to show October who I am.

Total debt was reduced by $839.82 in a month that was all about the holidays!

Every year I always get stuck around the holidays. This probably comes as no surprise to anyone because I feel like that’s common in the US.

🗓 What Happened This Month

The Good

For the first time in my adult life I feel like I’m prepared for the holidays. It’s always expensive this time of year what with traveling to see my family and gifts and whatnot. This year will be different. I refuse to get into debt and be stressed during a time that’s supposed to be about family and joy and being grateful.

The Bad

I got too relaxed about paying extra money towards my credit card. The bulk of my debt payment every month is my student loans and thanks to the brilliant bankers that invented amortization, most of my monthly payment goes to interest and not principal. Next month I’m going to focus on the credit card more so I can keep up my emotional momentum.

Financial Quote

Instead of a best lessons learned section I’m going to share impactful financial quotes that have stuck with me through the years and ones that I find newly relevant. The first one is one of the best.

“Don’t buy things you can’t afford with money you don’t have to impress people you don’t like.”

💡 Tip of the Month

DELETE SOCIAL MEDIA FROM YOUR PHONE! Social media more than every is designed to keep your attention and in more and more places buy something. Directly from the app now which is crazy. If you want to save money for the holidays, delete the social media apps from your phone. Don’t worry about what other people are getting for the holidays and get what works for you.

Cheers

Max