It has been a long process from where we were to where we are now and every second has been more than worth it. The end is so close I can taste it! In the past two years we have paid off almost 100k in consumer debt that included: credit cards, student loans and cars. We now live on a lean budget well below our income.
Every December we sit down and write our financial goals out and put them up where we can read and reexamine them all the time. (source)
We read the book Total Money Makeover, please I suggest if you have ever made or spent a dollar in your life you should read it.
We got the Financial Peace University plan (we were unable to attend at the local church hubby was deployed). (source)
We started slashing and saving. We rethought every area in our lives. We knew this was something we truly had to do.
I got this wonderful wallet here that helps me organize all the cash.