Keep up with it and realize that your low stress and freedom is what comes out of it. It may not be fun to get rid of debt, but it’s no fun opening stacks of huge bills either, so grit your teeth and get it done. Once you get most of your bills paid off and work towards an emergency fund, you get the lower stress for the rest of your life.
bluepostcard's Life List
How I did it: It took 30 days or so to grow longer hair since I wore a short flat-top, then I asked a good friend to mow down all the hair but the strip. Dog clippers from walmart did the trick. Read how I did it…
How I did it: Pick one place initially, try to show at the same times because you are more likely to get the same server and have the same menu.If a server/bartender begins to see you regularly, they should volunteer their work schedule so they can see you again. They might say "see you next Tuesday night" as a hint that's when they are in again OR use that as an opener to ask "when else are you here". Read how I did it…
There are ample websites that show how to cut monthly expenses so I’ll tell my top budget cutter. It’s PERMANENT changes to recurring expenses (coffee, cell phone, buying lunch, alcohol at bars) that account for the big chunks of money. Once you have an emergency fund, the flat tire ceases to be an emergency.
The peace of mind is difficult to explain. I no longer feel a need to buy myself a nice dinner to treat my stressed self. Instead, just knowing I could have it is satisfaction enough. An emergency fund / money buffer also allowed me to put EVERY bill on autopay, so bill paying is no longer stressful, it just happens on its own. I can go 2-3 weeks without bothering to open any mail.
Keep in mind, you only have to make the emergency fund once in your life, then just maintain it. Don’t make up an emergency just so you can tap the pile of cash, don’t do it, don’t tempt it, keep your hands off it.