KadyDidIt

Let's throw the truth out there real quick...June was hard! I was so close to overspending in the last four weeks of cash envelopes it gave me a panic attack! Now that is not the right way to go about this process, but I do like that I'm pretty darn committed to this!  The first half of the month did not get it's own separate post so I will break down the month for the biweekly periods. Really only because I did so much better at the beginning of the month.                                                Planned                     Actual                                                                Groceries           ...

  How does debt happen? I think it's just something that is such a normalcy it makes me think, does anyone really think twice about opening a credit card and then unfortunately for some of us become overwhelmed with the amount we've accumulated? I know this is not everyone, but I know from my personal experience it does happen to more people then we might think. For me personally I did open a credit card as soon as I turned 18 and thankfully I did accumulate some debt over the last 10 years, but I have been fortunate enough to not be TOO out of control. I do have some debt that will take me some time to pay off, but nothing that is not possible. I've decided to share what I'm doing personally to help myself out which includes the following Dave Ramsey's Debt Snowball method. So stick around if you're interested!