I know Dave says X; however, I can't follow his plan completely, for me it is about staying motivated.
Yesterday I dropped $750 extra on my student loan. I surpassed my monthly goal of $500 for December. I paid a total of $1250 for the month and next week I'm planning on another $250.
One goal I had for 2021 was to pay an extra mortgage payment towards my principal. I honestly didn't think I'd meet this goal but after looking at my budget and making some adjustments $444 was paid. I know Dave says not to tackle the mortgage while paying off debt; however, for me this keeps me going. And my thought is who cares as long as the debt is paid.
I promised myself that I'd make one extra payment a year and once the student loss is gone go full force. I’m glad I paid it, I feel great.
I also went back to the cash envelope system, something Ramsey recommends. I do spend more when I’m not using cash.
I’m so looking forward to 2022. It’s going to be a fabulous year.
December 24th, 2021 at 01:58 pm 1640354308
Merry Christmas!
December 24th, 2021 at 02:52 pm 1640357521
Dave is only one opinion, and IMO, it's overrated.
December 25th, 2021 at 09:52 pm 1640469141