Almost Does Count

One of my favorite songs is by the R&B singer Brandy. Almost Doesn’t Count. It is about love and loss. But that is a sentiment shared by many. Almost Doesn’t Cont. I think it does. Here is why.

FRONT
My first budget with Travis in October 2017.

My debt had been my greatest prayer for many years. Not just in 2016 and 2017. I remember praying the hardest in 2001 when I was in the hospital for 11 days with no medical insurance. I had major surgery and lots of test. That is when I prayed without ceasing. As you can see, I have been praying for years.

BACK
of the first budget.

I heard about Dave Ramsey from a coworker about 5 years ago. I’d tried piecing together the information I’d heard from his radio show and YouTube channel. It was not working. So in September of 2017 I started Financial Peace University. It was the first time I understood how important budgeting was. Not just for getting out of debt, but for leaving.

I started budgeting with, my accountability partner, Travis. He insisted I get a second job, so I did. It was hard and I was always tired. Budgeting was the real answer though. Because honestly this is not the first time I worked two jobs. But this is the first time it made a difference.

Last credit card paid in full.

I will never be able to describe the weight that has been lifted from having only one debt left. I feel like I can fly. I feel as if there is no challenge in my life I can’t tackle. I believe that every goal I set I will accomplish. I am so much stronger than I ever gave myself credit for. I am so grateful.

I paid my car off 3 months early.

Love, Tracy!

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