I admit it. We do cheat on our “Dave” plan.
For anyone who has been following me here at A Dime at a Time, you know that my hubby and I are digging our way out of debt via a slightly modified version of the Dave Ramsey baby steps. We are currently on baby step 2 which is all about paying off debt. While the math doesn’t always support it, Dave recommends doing this in the order of smallest to largest. I’m good with that, even if the math doesn’t always make sense. There is truly a feeling of winning when you do pay off that first debt, regardless of the interest rate. Lately, though, my hubby and I have been cheating, even above our modification! [Read more…]