Structured Living. Proven Over Time.
My recent budget break started with what was supposed to be a simple trip to my rental property in Birmingham. The tenant reached out because the oven was not holding heat. This oven had already been repaired once, so I knew there was a real chance I would be looking at a full replacement. That …
Continue reading "When Your Budget Breaks, Do Not Break With It"
One month down, and it was a wild one. This first full month of the series ended up being the biggest debt paydown I’ve made so far, not just in this new journey, but in my entire life. Was I a little overzealous? Probably. Was it worth it? Time will tell. But one thing is …
Proverbs 18:15“The heart of the prudent acquires knowledge, and the ear of the wise seeks knowledge.” The Starting Point: Not Burned Out… Just Off Purpose I was working a job that, on paper, was fine. Good environment. Stable. No real complaints. But something was off. It wasn’t burnout. It wasn’t stress. It was a lack …
Now that the month has wrapped and the dust has settled, with payments actually hitting where they’re supposed to, it’s time to take a real look at where we stand. So let’s break down the current state of our net worth, or what’s left of it. I’ve been using Monarch Money to track everything instead …
This is one part of implementing what I have defined as the Joseph Plan. The full framework is outlined separately and can be found below. The Joseph Plan This phase focuses on debt reduction as a step toward establishing financial stability. This is not a short-term effort. It is a structured approach that will be …