Just 12 months ago, Tracy Hemingway, 27, was paying off the last of a massive debt.

In hock to the tune of $94,278 - $113,375.40 with interest - a financial advisor told her it would take 16 years to pay it off.

She paid it off in three, then set her sights on her next goal: buying her first home.

Now the 'Debt Free Diva' now wants others to learn the lessons she had to, to become debt free and get financial freedom.

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