Alright. I am in debt. I am 18 years old and already owe my parents $1,000.00 (gas, insurance, etc) and have charged up to $900 on their credt card (this was for school and bills not shopping or anything!) I haven’t had a job for almost 5 months…. and I just got one!!!!! YAY! I have already calculated all my debt and how I am going to make payments on them~ If everything works out i will be out of debt and have $1,300 saved by january!

so my plan is this —-> 50% goes to savings…. 40% bills and 10% tithing…