If you’re paying interest fees each month (on your credit card), that basically means that 1) you’re not paying your balance off in full and 2) you’re most likely misreading your statement.

Bottom line, if you are really persistent, are self-disciplined, and determined to get a handle on your finances, you will do anything and everything you can to do it. You really have to want it to get it done because it’s too easy to budget for one pay period and then go back to your old habits the next. Hence the cycle of debt.

in eight months…