Debt Tracker Spreadsheet
My debt-free journey started in 2012 When the recession hit in 2008, I was struggling with credit card debt, back taxes, and a car loan. Luckily, I paid off my student loans by then. I could figure out how to crawl my way out of my poor choices. I have never been great with my finances. It wasn't until 2012, that I discovered the Dave Ramsey program online. Dave put everything in perspective for me. To get out of debt, I would have to understand why I was in debt and get my spending under control. I have been living pretty much according to the Dave plan except for some things I don't agree with, such as the emergency fund and the idea about credit. It has gotten to the point that I will be debt-free except for the house next year. How does it feel to be debt free? It feels amazing. I'm less stressed, happier, and relieved. I also feel empowered that I manage my money, but the money doesn't manage me. How to get started getting rid of debt? If you are confused about
