How Ashley Paid off Medical Debt and Saved $10,000

Best Money Class Ever Reviews: show real students, making real progress. This is Ashley’s story of paying off over $15,000 in medical debt and saving $10,000 for a rainy day. Which is worse: being sick, or having to pay for being sick? Of course your personal health is priceless, but when crisis hits, how do you deal with the aftermath of medical bills? 

With high deductible health insurance plans a trip to the ER gets expensive fast.

Ashley Hurst knows how devastating health issues can be. She’s a Functional Medicine Nutritionist, and founder of Wellness by Design specializing in treating autoimmune conditions and digestive disorders. She has the glamorous title of entrepreneur, but her path, like many Gen Yers included some pit stops along the way.

Ashley took an interest in wellness while she personally dealt with a painful digestive condition. It was her dream to be a Functional Medicine Nutritionist, but reality struck when she graduated and started looking for a job.

And life threw her a big curveball.

Ashley was in a major car accident and the stress caused a flare up on her digestive track which landed her in the emergency room several times. She found herself owing about $15,000 in medical debt, “It was stressful, and I felt stuck,” said Ashley.

She wanted to have a good relationship with money, so she wrote on a board in her room what she owed and that she wanted to have $10,000 in a savings account for future emergencies.

“I changed my mindset too… I had to stop believing that I was bad at finance,” said Ashley.

She started applying a lot of things she learned from Best Money Class Ever. She sold a bunch of her old books on Amazon, looked for freebies, and realized the little things add up.

Everything went back to what she wrote on the board in her room.

…Even when grocery shopping she’d pass by overpriced kale chips (her favorite), and instead she’d make them at home to save money so every dollar possible could go towards debt.

When paying off debt she prioritized paying off the highest interest debt first, and negotiated everything: the interest and even what was actually owed.

Ashley took a couple of jobs in other fields, but realized she wanted to, “start something and bring it to life.”

She listed herself on health professionals sites with her qualifications and received a call one morning from a lady who was crying saying that her son had terrible stomach pain. Ashley began doing one-on-one consultations and her practice took off. She now also brings in an additional income working part-time as a Nutritionist Coordinator with Head Start.   

With hard work, persistence, and patience she paid off her medical debt and has $10,000 saved for a rainy day. Then she continued saving for a car.

Most people never dream of walking into a car lot and outright buying a car.

Ashley didn’t want the stress of car payments each month. She sold her 2008 car for $7,000 and had saved an additional $2,000 to go towards a 2013 Mazda. She walked away from the car lot with the keys and no payments!

Then something crazy happened.

As she reached these milestones- paying off medical debt, saving for emergencies, and then buying her car with cash, her fear and stress with money diminished and so did her chronic pain. She can now see clearly how outside stressors, like managing money can impact your overall health.

Truly amazing! Great things happen when you have a plan with your life + plan! If you’re wondering if Best Money Class Ever is for you,  Ashley is a real person, who made real progress.  Have questions about class? Send me your questions here.

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