Comments on: Our Life Before & After Budgeting http://youneedabudget.com/blogs/99kby2011/2008/03/03/our-life-before-after-budgeting/ Follow along as I try to pay off 99k in debt by 2011. Fri, 21 Nov 2008 10:53:01 +0000 http://wordpress.org/?v=2.3.1 By: domino http://youneedabudget.com/blogs/99kby2011/2008/03/03/our-life-before-after-budgeting/#comment-19 domino Sat, 15 Mar 2008 18:14:52 +0000 http://youneedabudget.com/blogs/99kby2011/2008/03/03/our-life-before-after-budgeting/#comment-19 It looks like you are on the right track. A couple of years ago we took a good look at our net worth and wasn't very pleased with the result. We had a lot of cc debt too ($30k) without much to show for it, so I know exactly where your coming from. We paid most of that down just out of sheer terror, well before we found YNAB. It's funny, it took us 2 yrs to pay off the 1st $24k of our debt without budgeting, $6k more of it in 6 months with budgeting, but the last $30k of it was paid off within five months of really getting gazelle intense about it. Somehow we always managed to find $1k / mo to pay on it without really effecting lifestyle, but it wasn't until we got "weird" about it and made it our life's mission to get clear of the remainder of it as quickly as possible that it started to take off. Praying about it helped out a lot too. I wish you swift progress and look forward to reading your updates. It looks like you are on the right track. A couple of years ago we took a good look at our net worth and wasn’t very pleased with the result. We had a lot of cc debt too ($30k) without much to show for it, so I know exactly where your coming from. We paid most of that down just out of sheer terror, well before we found YNAB.

It’s funny, it took us 2 yrs to pay off the 1st $24k of our debt without budgeting, $6k more of it in 6 months with budgeting, but the last $30k of it was paid off within five months of really getting gazelle intense about it. Somehow we always managed to find $1k / mo to pay on it without really effecting lifestyle, but it wasn’t until we got “weird” about it and made it our life’s mission to get clear of the remainder of it as quickly as possible that it started to take off. Praying about it helped out a lot too.

I wish you swift progress and look forward to reading your updates.

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