I’m not here to tell you WHY you should have a coach, I’m here to show you the power of investing in yourself.

Last year, I counted up all my debt in student loans and other loans. It totalled around $15,000.

I realized the effect this debt was having on my life, my dreams, and my stress levels. I was living paycheck to paycheck, completely accepting that I was going to be broke as possible until these loans were paid off. Nothing makes the future sound better than another five years of income sucking loan payments.

“God Money I’ll do anything for you. God Money just tell me what you want me to. God Money nail me up against the wall. God Money don’t want everything, he wants it all.” – NIN

My entire life, it was: get a loan, catch up, get a loan, catch up. I was sick of it.

Why are we taught that this is normal? Why are we brainwashed to think that it’s perfectly natural to be owned by the government, banks, or even our own bad decision making.

We think the loans are helping us, but we are really loaning ourselves. We are loaning our lives. We are loaning our dreams.

Then I thought.. if we can make bad decisions and commit ourselves to slavery, then we should have the ability to make good decisions and crush the slavery, right?

I know one thing for certain.. for every negative, there is a positive.

So I had two choices:

1. Make another bad decision and enhance my slavery.

2. Make a good decision and remove the chains.

I decided to add up all my debt and find someone to help me crush it.

I was always hesistant to ask for help because I knew it came with a monetary price on most occasions.  I always thought I would just be digging myself into a bigger hole because I couldn’t afford the bills I currently had, let alone another fee just to talk with someone.

Now, I’ve got over 20 Evernote pages covered in life “wins” this year that are the result dedicating myself to coaching.

But that’s not what I’m here to tell you about.

It was around October of last year, and I had a guest on my show.

The interview blew my mind. It launched on November 3rd.

I found my coach, Jacqueline du Plessis, because it just felt right. She was doing what I wanted, traveling the world and creating the life she loved. She was real.

It was one of those feelings I couldn’t ignore.

If you asked her today how hesitant I was about paying for a coach.. she will tell you I was on the fence. I was really really really close to not doing it.

It ended up being a $12,725.70 decision.

I took the risk, and she showed me how to reap the reward.

You see, I am my own lottery ticket.

My CHAMPION coach, Jacqueline du Plessis

My CHAMPION coach, Jacqueline du Plessis

At the beginning of the year, Jacqueline and I reviewed the things that were holding me back from my dream. I didn’t previously have a network of friends around the world, but I was already taking action to create one through the podcast. The finger was pointing boldly to the blanket of loans I was suffocating under.

I needed to get rid of my $15,000 debt. I was loaning my life out.. and for what? A car? A 4-bedroom house? A television in every room? A fifth of alcohol regularly to numb the stress?

It’s all bullshit.

Jacqueline does a really good job of identifying strengths in personality. She noticed my ability and will to accel through exploration and adventure.

I set a goal to save $15,000 in 2015 and pay off my debt.

Well, I actually set about 15 goals, but after quickly admiring my enthusiasm, she cut the fluff.  She put my focus back on the savings campaign.

She knew a bland goal of saving $15k would never keep my scatterbrain attention, so she created a game for me.

At that time, I wrote this post to explain the game and the campaign. 

The game was the fuel behind my savings spree. I created my vision, but Jacqueline made the creating possible. She gave me the directions to bring the vision to reality. She made it fun.

Without her, I would have never understood that it was possible to have a vision so real.

So today, I wanted to update you on how I’ve saved $12,725.70 in the first 5 months of this year.

I NEED to show you because I NEED you to understand that this is possible for everyone. There are no wizards, genies, or witches involved. There is magic, but the magic is in all of us.

I want you to know that the world isn’t against you. You are powerful beyond measure, and sometimes it just takes someone else to show you.

For me, it was Jacqueline. I couldn’t have done it without her.

Here is the update I posted on my tracking sheet today on how I’ve saved over $12k already:

**May 14, 2015 Update**

I am on track to meet my goal of $15,000 by the end of the year.  The reason there are no entries from Mid April until now is because I was using all my extra money for my trip to Thailand as a celebration and brain reset!  The goal of $15k in 2015 is to raise money to pay off all my debt through student loans and other loans.  Early this month, I realized the $7,149 was enough to pay off two of my loans!

I paid off my car loan – a total of $1,849.05 !!

Screenshot 2015-05-14 21.49.24

I paid off my basement loan – a total of $4,024.35 !!

Screenshot 2015-05-14 21.49.48

Grand total paid off: $5,873.40

That leaves me with $1,275.60 hard cash still in the account for safety 🙂


Not having these payments clears up $482/month in bills.  For an entire year, that is $5,784.00 extra!

These loans weren’t due to mature until 2017.

I can now take the $482.00/year and put it back into my savings to contribute to my goal!

In the month of May, I was able to free up one of the payments, saving me $338.00. I put the money into my savings chart for this month.

Now, every month for the rest of the year, I can put the $482.00 back into my savings.  By the end of the year, I will have another $3,230.00 contributing to my goal of $15,000!

So, $7,149.00 (saved up until may) + $3,230.00 (payments saved from paying off loans) = $10,379.00 of my $15,000 goal!  🙂 🙂 🙂

That leaves me with $4,621.00 left to save until I hit the goal! I’m dominating!!!


This won’t contribute to my goal of $15k for this year, but I wanted to point this out to show you the effect of paying loans off early.

If I would have allowed those loans to mature in $2017, the interest amounts to $1.97/day on the basement loan and $1.13/day on the car loan. The maturity dates were in July of 2017.

There are roughly 7 months left in 2015, or 210 days.

There are 365 days in 2016

There are roughly 182 days in 2017 until the loans mature.

That is a total of 757 days until the loans were to mature.


757 x $1.13/day for interest = $855.41

757 x $1.97/day for interest = $1,491.29

I am saving myself another $2,346.70 over the next 2 years by paying off those loans early! 🙂

Again, my savings for this year: $7,149.00

The money I will save the rest of this year by not having the $482/month loan payments : $3,230.00

The money I will save on interest over the life of the loan for paying them off early: $2,346.70

That is a total savings of $12,725.70.

What you just read almost makes me cry. I honestly never thought this was possible.  The old me just accepted that I would be paying these bills through 2017.

The new me created a vision and believed in it. I followed my principles and trusted myself.

I know this kind of thing seems impossible without money, but I did this without any extra income over my bills.  Everything in the chart below is money created out of the mindset to achieve this goal, and nothing else. If you feel like it’s unrealistic, you are wrong. It’s all in your mind.

I’d love to connect with you if you have questions or need help. You can email me or hit me up on twitter @hb_armstrong.

Now, I’m off to Thailand to celebrate! Keep checking in and watch my progress as I dominate my goal to save the rest of the $15k this year.

Oh yea.. and get a coach! You never know.. the life of your dreams might be one simple savings game away… 🙂


Listen to my episode with Jacqueline.

Meet Jacqueline!




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