I defaulted on a student loan. Twice. The first time was just stupidity. The second time is because after it went through the rehabilitation process, they sold it to a lender (Nelnet), but didn't tell me who they sold it to. I wasn't tracking my finances properly, so it didn't register with me that suddenly that money wasn't coming out of the account. Nelnet's envelopes looked to me like advertising for some online company, so I didn't open them. Again, dumb. Anyway, the loan defaulted again, went to the state's loan service, racked up a crapload of collection costs and fees, and re-entered the rehab process. After the October payment it got transfered to another company. This time, I actually called, found out who it was transfered to, and then called them to figure out what was going on. Turns out that there won't be any payment due in November, so I called the owner of one of our other loans (the highest interest rate debt we have left) and scheduled a payment to that loan with the money that was budgeted to the loan that's got a month off. I'm quite proud of myself. We've decided we're going to try to up our loan payments a bit as well and start snowballing those down.
I've got the tracking, and spending wisely to a good point. Now I need to figure out a way to budget. I want something easy to do, and with charts. Lots of charts.