become debt free

I paid off two bills with my last paycheck.

When my bank called and offered a credit card a few days ago, I turned them down in no uncertain terms.

I’ve started taking my breakfasts and lunches to work… I started a spreadsheet to track how much I’ve saved.

For each breakfast where I don’t eat out, I set aside $4.00. For each lunch, $7.00.

Each time I get paid, I’m going to put 25% of the savings towards personal bills and 75% towards debt that I share with my wife.

For the last three weeks, I have a total of $94.00.

Good advice on this at http://www.daveramsey.com.

I’ve made great strides on this… I really only have two big debts and two small ones left. But I don’t budget my money, so I have trouble keeping my finances straight sometimes.