Wow I am amazed! I know it's hard to just stop and really account for what you spend and what you earn but when you actually look at it, it becomes a lot easier to manage yourself financially and save for the future that you cannot stop from coming! I am very happy for you
Thanks! That means quite a bit.
I'm pretty good with numbers, and spend a few minutes each month looking through my CC statement and assessing what everything goes to. Additionally, at this point I'm keeping myself close to a spending-to-date throughout the month. That is, I want my balance to be no higher than X on day Y.
So, if I have scheduled to spend $20 a day, then by day 5 I want the balance to be less than $100.
It seems to be working for me.
Additionally, I just set up ING to automatically save $500 a month. I'm expecting another ~3% COL raise in the early part of next year, so that should let me save more and paydown my loans more, too.