The Importance of a Budget

A woman from my church met with me and just taught me the basics of a debt snowball. She sat me down and got me on a budget, something I had never done my whole life. And she just helped me plug in the numbers into a simple Excel budget. So when I started this, I was making 40 K; by the time I paid it off, I'm up in the mid 60s. It is possible to bounce back. We know how we have access to the levers. Your journey may steer you to one or the other.