No. of Recommendations: 2

Reading your comments makes me realize part of my problem is how fluid I am with the numbers. Too fluid. 2011 into 2012 I accrued the debt. Mid 2012 I began to appreciate that I had a problem and made a plan to pay off the debt in 2013. 2013 was a bad year financially for me and I made little progress in debt reduction. Mostly because I had less income, more expenses, and the interest. In 2014, I have been concentrating mostly on interest reduction as my income increased, and expenses plateaued and in some cases decreased.

But in addition to reducing interest, I should also be focusing on honing down my budget. The problem is that many of my expenses are so variable - child care, gas, utilities, etc. I do use Mint and will use the 12 month averages to arrive at an actual number and will post them shortly.
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