Living life with Mama presents.... Single mom debt payoff, not perfection but better

[@BonnieStephens-i5u]

Glad you’re back posting videos. I saw your last video, I hope your new planner setup is successful. I’m trying something new in 2025 too. With the exception of paying bills online, I’,m a 90% cash budgeter, working envelopes for food, miscellaneous and personal. All categories fall under the 3, keeping it simple. For the care credit I would do the 4 payments and save some money, not for games but to boost your savings in case of an emergency.

[@livinglifewithmama8292]

I'm glad to be back. Thanks for commenting. I am excited about my new planner. Thank you for the advice. I'm still thinking about it.

[@kess7194]

Thank you, for the Video. Definitely option one, that is a good decision. And if you pay of all of your creditcards in January, you will Not have the rates in February, so you can use this money, to play games and make videos. By the way, i don't like gaming videos. I would suggest three No-Buy Months. You could make Videos about the challenge and the creativ solutions you and your daughter creat. 😊

[@livinglifewithmama8292]

Thanks for the comment. I won't be able to pay off all of the cards in January-just four out of the five cards. So, in February and March, I would need to make the payments to be completely out of debt. I can see your idea about the no-spend, but I'm not sure how I would put that into videos. It's something to think about. I know I need to do a no-spend for sure.