Having been well on the track to LBOM before I found this board, the tips and advise have been great and paid off in small ways, all of it adding up over time. The real sweet taste of victory came a few days ago. We paid off all of our short term debt last fall, the mortgage is our only loan. We live on a cash basis now and pay as we go. That in itself was a big relief, but we just finished the taxes (ok so it wasn't we - the wife did it all) and we got a big refund back. That was great, yeah we need to look at the deductions and fix it so we don't overpay so much next year, but then it hit us:We get to keep the whole thing - no sending it off to pay debt this year!!!Now we are actually talking about how much we save, how much we spend!!Life is great LBYM!!!Stay out of debt, your money goes so much further. LOL,GWGDoing a big happy dance since 1902
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