For those of you starting new goals and such, Dave Ramsey has a great financial peace plan.
I accumulated a little bit of debt living in New York. I am paying off all my debt within 8 months, requiring me to make liftstyle changes and such. I think it’s important to be debt free so you can give and live generously. I am going to have a serious conversation with myself about how much I actually spend verses what I think I do. How much money I need to live off, of, how much I need to make to save and pay off debt.
There comes a time when you have to draw a line in the sand because nothing else you’ve been doing is working. You know?