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How do we stay on track financially and pay off debt??

Every January begins the "I will get back on track and get healthy - physically, nutritionally, & financially challenge".

I know first hand how daunting of a task it can feel with so much to track and keep account of, which is why I'm hoping that these tools my husband and I use will help you as they have for helping us to get out of debt too! Back before Dave Ramsey became a household name we actually were introduced to the