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July 22nd, 2018 at 08:40 am

Between reading the forums and blogs I am yet again rethinking my strategy. I am making steady progress and never understood the Ramsey method of just one debt at a time, I pay extra on all items, more on high % but some on everything each check. The logic is there of why his system works but I think I am missing out on time to grow savings/ retirement. I also enjoy seeing all # going down steady.

I also am not sure about the zero based budget either.
I mean, I have an EF and I have a 1500 cushion in checking as well but I still am nervous to pay every last dollar out of paychecks to debt. I am trying to inch up to spending more of check on debt instead of holding 1/6 for misc. but habits are hard to break.
especially when I am searching for a better fit for a job.
For all of you that pay it using the other methods how long did it take to change your pattern or did you just bite the bullet and do it ???