You’re not budgeting You’re not 100% focused on your lowest balance Your income and expenses are remaining the same Your spouse isn’t on board You aren’t consistent You aren’t tracking your progress This is the step that I struggle with. The Debt Snowball. It would be easier to pretend like I didn’t have issues with this, but I am not. Most wounds don’t heal unless exposed. After Renardo and I remarried, we began budgeting, saving, and hustling for our dream…owning a home. We managed to obtain our dream only to slide back into old habits. After obtaining our home, we generated more debt. We recently bought a new house, a new car, among other things. We were sensible in our purchases, and can afford everything we bought, but we did not go in the direction that was most beneficial to us. Debt reduction. A lot of the pointers that Dave Ramsey espouses, we did not follow. So, I know the struggle is real. Step 2 is the step that I struggle with. One of my goals is to one day overcome our h
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