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Of those people who paid off their credit card debt, how many of you ended up staying on pretty much the same budget after debt-freedom day and allocated that credit card money to things like retirement savings and investments?

I'm not yet in this catagory--only two more years! (or less)-- but I've already been thinking a lot about that. I am on a VERY tight budget, really, too tight because I can't do things like buy a new pair of sneakers and get a haircut in the same pay period which is something I would like to do.

I play around with percentages of the snowball in my head. I've got my goals--ROTH, more to the stock portofolio, saving for new car etc. etc. and those come first. (I already max out the 403b and all future raises with go into that till I hit the limt. About 10 years in the future.) But I've also decided that I am going to dump at least a couple hundred per month back into my budget. Like Peter, I'm tired of putting back the lox bits in the grocery or the dress on clearence or not eating out at a different resturant. I'd like to be able to fly out to see my niece and nephew without thinking too much about it.

But is it ALL going back into the budget? Not just "no" but "hell no"

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