Crush Your Debt Weekly
with The Payoff Challenge
Celebrate every win with weekly debt tracking, inspiration, real stories, and practical strategies to help you pay off debt faster — together.
Debt Doesn’t Have to Control Your Life.
But Most Plans Leave You Overwhelmed.
You’ve tried budgets. You’ve tried willpower. You’ve tried doing it alone. The problem isn’t you—it’s a lack of clarity, accountability, and momentum.
The Payoff Challenge gives you small, consistent steps and the motivation to stick with them through a weekly email newsletter.
You don’t have to do this alone
I’m Caleb and I've been teaching personal finance online for 5 years.
I love talking about budgeting and living debt free. This challenge actually came from my wife, Bailey’s and my own personal goal of paying off our home in 18 months—just in time for our 10th wedding anniversary.
So hey, I'm in the trenches with you.
We have $70k left and are attempting to pay it off by June 17, 2027. And decided to do it publicly for the accountability and invite people along to do their own personal Payoff Challenge.
Here’s How The Payoff Challenge Works:
Step 1: Join the Challenge
Just sign up with your email below!
Step 2: Track Progress
Every week you’ll get a short email with quick wins, motivation, shout-outs and a simple form to submit your progress anonymously.
Step 3: Stay Motivated
See momentum build through community stats and stories to keep you moving toward debt freedom.
What the Payoff Challenge Newsletter Looks Like:
A free weekly email designed to keep you motivated, consistent, and actually moving toward debt freedom.
Anyone can read the newsletter — but only Payoff Challenge participants can submit weekly numbers, get featured, and contribute to the community progress.
The weekly newsletter is broken down into 5 sections:
1. Weekly Community Momentum Snapshot
See how much debt the community paid off together this week — a simple snapshot of collective progress and wins.
2. Real Stories and Community Shoutouts
Short stories from people paying off debt right now — from first payments to major milestones.Participants can be featured if they choose.
3. One Actionable Strategy
One practical idea you can use immediately — whether that’s freeing up cash, staying motivated, or speeding up payoff.
4. Weekly Check-In
Log how much you paid toward debt and where it came from (overtime, side hustle, savings, etc.). Optional — but powerful for momentum.
5. My Personal Challenge Update
A quick update on how much we paid toward our mortgage and what moves helped make it happen.
If Nothing Happens, Nothing Changes
Without a Plan:
Debt slowly drags on for years
Payments feel routine, not purposeful
Motivation fades (again)
Debt payoff stretches into “someday”
With the Payoff Challenge:
Every payment has intention
You’ll see progress every week
Momentum builds instead of fading
Debt freedom actually feels achievable
The difference isn’t income — it’s consistency and clarity.
Frequently Asked Questions
Is the Payoff Challenge free?
Yes! You can join the Payoff Challenge and receive the weekly newsletter for free. Down the road, there may be optional paid tools or resources, but the core challenge and weekly momentum are free.
Do I have to share my personal financial information?
Nope! Weekly submissions are anonymous, and you decide what — if anything — you share beyond the numbers. You’ll never be required to share your name, income, or debt balances publicly.
What kind of debt is this for?
Any debt you’re intentionally working on paying off! That includes:
Credit cards
Student loans
Car loans
Personal loans
Mortgages