"I grew up at a time where we got loans for everything. We wanted to go on holiday, we booked the holiday, and then we'd go to the credit union. You'd get one of the little small loans, and then credit cards were so accessible."
"We budget for our necessities and then we make a budget for our fun, our entertainment, our holidays. Whatever's left we're like, 'OK, that's what we're willing to give up to overpay on the mortgage'."
Ellie Kistnen shares her journey from accumulating debt through loans and credit cards to achieving financial stability. She emphasizes the importance of budgeting for necessities and entertainment while allocating remaining funds to overpay on a mortgage. Kistnen now provides advice on paying off mortgages early, switching providers, and managing daily budgets. She actively shares her financial tips on Instagram, helping others navigate personal debt and improve their financial situations.
Read at Irish Independent
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