What if we managed our money the way I managed my weight? What if we chose to be random about budgeting (on again/off again) the way I was about Weight Watchers? I know with certainty that we would not have paid off nearly as much and would probably have incurred more debt.
We were able to get it all done because we lived by a budget. Month in…month out…we lived by a budget. Because we used a budget, we knew exactly what money was available and could make adjustments midstream.