Debt reduction update

I haven't written about my debt reduction progress for a bit, other than continuing to save money staying at home. Commuting to the office is gone. I don't fill up my car with gas all that often. I go out twice a week for groceries, essentials, and takeout to help my favourite restaurants out.

As a result, I have more disposable income. It has been great contributing to my retirement saving and regular savings accounts. I had to dip into the former when my debt situation wasn't great. I didn't have an emergency fund. My regular savings account is that emergency fund that I have wanted and needed.

I get paid this week. It's a huge turning point. I will be paying off my line of credit completely. I am thrilled.

I do recommend having a budget and sticking to it, no matter how great or grave your debt situation is. I have been using an Google Sheets spreadsheet for a while and it does wonders. It's a question of being disciplined sticking to your budget, which is the toughest part.