Antsy. Stir-crazy. Downtrodden. Bullied. These are the emotions I felt while being subjugated to my creditors. They teased me with buy now pay later promotions and I bit into their offers like I was chomping into a $6 burger with a side of fries. I drank the milk shake. Then the bill came. It wasn't what I expected. The aftertaste remained years after my happy meal was devoured. We needed a lifestyle change in our household. My wife came home with a library book about getting out of debt by Dave Ramsey. It made sense. We re-arranged the first two steps, opting to make paying off our credit cards the first baby step. We wanted every dollar to go to our creditors first. For us, step two will be setting up an emergency account with a reserve of $1,000. For now, all our energy is focused on paying off our last credit card account. The big day is on 8/08. Stop by for the rest of the story. Have a great day.
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