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It is a new day. Thypeace said to post every day, so here are a few thoughts.
"Make sure your spouse is on board" is now in progress. I AM that spouse that needed to get in the ring.

Budget. Ugh. That will be a work in progress. I am going to put a 90 day goal on the written budget. In the shorter term, we are looking at pay periods and expenses and due dates and such and understanding the framework and the likelihood of success next month. One step at a time.

Consistency. I am hearing and understanding how important this will be. It is the key to progress.

Here is what I can do today:
Cash in old savings bonds. I have four $50 savings bonds that are decades old that were given to me as awards/thank yous. Yesterday I looked up the values and found that they have fully matured and will no longer earn interest. It is time! These are small, but they represent $530 that can attack the debt TODAY. I will raid my venmo account that has a few hundred in it from my side hustle this month. Combined, and in addition to the normal payment this will pay off CC#1 to zero. That is by far the smallest balance, but a reward is a reward and that is important at this point. Consistency may be the key to progress, but I also think that seeing progress will be the key to (wanting) consistency. Those two will feed off of each other, I suspect.

Thanks for the encouragement. I am feeding off of it and learning from your experience.
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