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RE: How To Pay Off Bad Debt And Save Your Future
Great ideas here....that's pretty much how we did it too....pay off the biggest interest debt while still making payments on the other debts, then taking the $$ from the biggest debt once paid off and applying to the next debt all the way down. But you have to not spend if you don't have the cash to buy something. Then the money can be applied to savings and budgeted for what you need.
I love the last like - You are the conductor of this train and only you can control what happens.
It reminds me of the many budgets I made over the years and complained how "they" didn't work.....the problem was, I didn't work them.
It's not flashy or sexy or glamorous, but it is how it's done. You put your adult pants on and get to work cleaning up the mess you made.
You spend less, possibly earn more, and beat down the debt. If you stick to it, you will win in time.
Like you said, you can't spend it if you don't have it in cash and you need to continue to work at it.