Next Steps....

Yesterday I owned up to my debt and my savings goals, the good and the bad.
I think that the next step to becoming debt free is making a plan to dig myself out. I have set out to develop a budget myself. I have built in a buffer in that I make a little more than what my total expenses add up to. This way, if I over spend in one category, I don't go into my overdraft or have to use a credit card. I have essentially given myself an overdraft of my own income (this is an idea I got from reading Gail Vaz Oxlade's blog).

My Budget:


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