Hello everyone. 38/m here and I'm finally about to tackle this debt that has been eating away at me.
Totally my fault but it's been a mountain that I thought was helpless to even try to start climbing. Feeling like I don't have enough to barely make the minimums and using the "I just got divorced" excuse to buy whatever I want, I've identified some inappropriate spending habits and used an app to do some number crunching.
It looks like by paying $400 extra to my debt and using the snowball method, I can be debt free by 2020. This is only three years. This means that I will be living on $400 per month for spending money. So... Off to /r/frugal i go.
I make about $4600 per month and I can't believe that because of bad spending I will only get to use $400 of that each month. It's my own fault. However I have a pretty comfortable life with everything I could ever need... (Because I already bought it all) now I just need to man up and pay for it.
http://ift.tt/2ifkRxr is my payoff plan.
Thanks for all the helpful posts and motivation... I've been lurking around here and finally bit the bullet. Here goes nothing!!
Submitted January 05, 2017 at 11:10AM by Cali_sunsh1ne http://ift.tt/2hVsm07
