Dave (YNAB Dave)
speaker
530 appearances
1 recordings
1 series
first heard Jan 2025
last heard Jan 2025
Dave (YNAB Dave)’s voice in public audio — every appearance, attributed to the second.
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Appearances
We're on a slippery slope unless something big changes.
So it took one more consolidation of debts...
However, that decision was made in full control of the facts as to how much cash flow it would generate.
Yes, it would cost a bit more.
But then the peace of mind, what helped us sleep best at night then was, but I'm still putting money away for car repairs.
So the next time I have one...
It's not two steps back after three steps forward.
Progress became visible.
Visible progress becomes motivation, motivation for the long term.
I mean, it's a tough one to swallow when you first start because you think, I could be sending this money to my first credit card debt.
Yeah, I think there's nothing wrong with having a short sprint with a bit of reduction in spending to get you maybe... Say you've got first target debt, doing Snowball, and you're only maybe three, four months out when you sit down and model it and go, I can kill this in four months if... There's the trade-off the other way, right?
If I do this, I can achieve that.
So yeah, we did cut back...
on spending to change it into debt repayment money for the first of our debts.
Massive motivation milestone.
We've killed the debt and we've still got the money to put the winter tires on next August.
October.
Because, I mean, it really is cold in Ontario for a long time.
So, yeah, then we settled into a far more regular pace.
I mean, back then about the idea of getting a month ahead started to make more sense even though we've got debt, just like true expense funding made more sense even though we've got debt.
Showing 181–200 of 530 · page 10 of 27
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