One of the biggest mistakes I see during debt payoff is creating a budget that only works if nothing goes wrong.
Every extra dollar goes to debt, there’s no room for irregular expenses, and the monthly payment is based on the absolute most you can possibly squeeze out of your budget. Then real life happens, and the credit card comes back out.
The goal isn’t just to pay off debt as fast as possible. It’s to build a plan you can actually sustain long enough to get out of debt AND stay out of it.
Sometimes leaving room for savings, sinking funds, and real life isn’t slowing down your progress. It’s protecting it.
