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You seem to be coming at this with the right attitude. Between that and your track record of doing difficult but necessary poo poo, I think you're a great candidate to be a BFC success story. (There really aren't that many, so it's an elite group.) My main suggestions are to focus on finding the minimum number of outlets and indulgences to not feel constantly deprived: you're going for a sustainable lifestyle, not a quick fix. The crash diet model of budgeting simply doesn't work long term. And to give yourself an enduring accountable record, e.g. a graph of your debt vs. time that you update every month. People are generally good at rationalizing away overspending as unique, one time only events. Whereas if you reduce the whole thing to a single number, there's nothing to argue with. You're either making progress or you aren't.
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# ¿ Sep 19, 2015 16:37 |
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# ¿ May 21, 2024 12:35 |