So we've closed the BS2 chapter. BS3 is done, too, thanks to the inheritance from DH's father. BS4 - made the changes this week to bump up my retirement contributions to 15%. BS5 - well, both our sons will be done soon - one later this year and one next spring. Between prepaid college and their scholarships and part-time job earnings, it's covered (with a little help to DS-away as he's finishing). Our mortgage has been paid for years. So that brings us to BS7. We're ready for you!
Dave always asks couples what the secret to getting out of debt is... I have to agree with all of those people who say Budgeting. Before we started this journey, we had a vague sense of where our money was going, but once we started envelopes, tracking, spreadsheets, CASH, well, we can tell you now exactly where our money has gone - and where it will be going. Just because we've paid off our debts doesn't mean we don't have sinking funds to fill. And oh yeah, we'd like to take a small, PAID FOR UP FRONT, vacation this year.