I have a month's worth of expenses set aside. Any extra money or overtime goes straight to debt payments

Wow. I appreciate your encouraging words!

I'm switching providers when I can to get the best deal on electricity.

We love to make meals at home together so It definitely double as some fun money when we make something new and exciting.

Hmmm. This is a great hybrid method. Another one I was thinking about is to list the highest payment to the lowest. Pay off debt with the highest payment to free up more money per month to put the next one.

I need lawn service as it is part of my lease agreement. I'm not able to cut the grass as I am deathly allergic to pretty much every insect.

A cheaper barber is not possible. I'm already getting a better price as it's family.

I'm shopping Aldi and heb but will try and cut down food if possible.

Streaming, yeah I need to cut that.

Oh yes. Lucky a family member let's us use their Sam club card any time

Aldi and HEB. I try and go generic as much as I can.

I'm thinking of using my income tax to do this. Pay for my insurance and anything I can yearly to get a discount. As for streaming I can probably cut those out. The only thing I really feel my wife and I use daily is YouTube red as it doubles as music streaming.

This total also includes out toiletries like toilet paper shampoo washing detergent etc. About $50 is allocated to dog food.

I'll be completely honest and apologize for sounding vain, but no. My haircut requires a barber due to the cut and fades.

Making a plan for every dollar and executing it. I appreciate the feedback, truly!

Currently working the snowball method. I understand this is mathematically incorrect, but it's my habits that got me into debt. So far I've got 2 paid off in January so it's working for me.

I'm kind of pushing it with the haircut at once a month. I work in a professional setting so I need to stay groomed. As for the subscription, yes I can likely do with holding on for a few months.

Oh I know. I felt embarrassed even typing it out. That's almost another rent payment for me. I'm currently in the process of eliminating all of my debt by July. I know this is a killer for me.

Thanks for that input. That makes total sense. I would imagine burnout after a month or two. Will look into including this on the budget list.

Absolutely. My plan is to have it paid off in full by July.

Thanks. I'll review my water bills and check for any discrepancies.

I'm focused on paying off debt right now so the wife and I have cut out "fun" money until then. I've halted savings contribution until then. Plan on having it paid off completely by July.

About $7000 in debt.

The interest rate ranges from 0 to 27% or so. I have about $7000 total and plan on having it paid off completely by July.

Understandable. I plan on having my debt completely paid off by July. That extra money will come in handy. Thanks for the subreddit tip!

I get it cut once a month. It varies from $50 to $60.

She is not able to work full time at the moment but does side work for small income Monthly. We tend not to budget it since it is sporadic.

My grocery budget of $600 is for my wife and I. Also Includes toiletries and food for my dog.