Hey folks! I know there hasn't been activity in a little while, but I am glad to have come across this support group. I do enjoy reading other people's updates. Thank you for being here! 

Outside of our mortgage, we have about 11,000 in debt (a $6000 bank loan, and $5000 between 2 credit cards). We had $500 in other debts, which I paid off a week ago. With tomorrow's pay, we will pay off the smaller credit card (which is $630). 

We are using the snowball method, and will be comfortably able to do at least $1000 to minimum payments/debt repayment. 

That's the logical thinking. 

I do struggle with the mind stuff. I can justify a purchase like no tomorrow. I will never be a credit card person, and fortunately, there are a lot of other options out there now. 

All 2025, I struggled with creating a physical budget. I printed off many papers. Bought a planner. Still struggled. 

This past week, I've purchased a $0.70 spreadsheet template off of Etsy, and that has me feeling a lot more confident with my planning, as well as less wasteful. A different tool that I didn't realize was an option. 

Here's to new energy!