It wasn't the first time she had been in the red. Bowling had already climbed out of $10,000 worth of credit card debt that she racked up in college.
It took her 14 months to pay off the first $10,000 she owed, but the second time around, she committed to fast-tracking the process and paying it off in three months.
"My blog was taking off and I wanted to work for myself," says Bowling, who was working as a content marketing strategist at the time. "I realized I couldn't make that leap with all this debt, so I thought, 'How can I knock this out as fast as possible?'"