December 31, 2018


In June 2017, once my bipolar medication really helped stabilize my moods, I decided to work on a budget for Jerry and I to pay off our credit card debt (about $14,500). We have a varied income (meaning that the amount on our paychecks varies wildly). Trying to follow a weekly budget was impossible! 

After some Googling, I discovered something called Zero-Sum Budgeting, and it has changed our lives! As I write this in March 2018, our debt is down to $2333. We used to think we didn't have any extra money to pay off debt, but this budget has shown us that we were just doing it all wrong. 

Here is a list of posts about our debt repayment...

Here is an explanation of the budget we are doing (called Zero Sum Budgeting)

Posts regarding our budget and paying off our credit card debt:

Budgeting to Pay Off Debt (on a Varied Income)
Grocery Shopping on a Budget (and Debt Update)
Salvation Army Finds
Paying Off a Card and Other Debt Catch-Up
The 3 Habits That Make the Biggest Impact on Paying Down Our Debt
Halloween Costumes on the Cheap
Getting the Family On Board with a Budget
My Family's Zero Sum Budget
Budget Update and New (Thrift) Running Clothes
January Debt Update
Making Some Quick Cash (and Tax Refund Plans!)
Some Cool Clearance Finds
Exciting News on Our Debt Pay Down!

How My Family Paid Off $14,000 of Credit Card Debt in 14 Months (while on a varied income)

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