Understand why the plan keeps failing in month three, when the arithmetic was never the problem.
15 posts
The avalanche saves more money. The snowball gets finished more often. On four real balances that difference is $552.79 and one month, and here is when $552.79 is worth paying.
Budgets do not fail from weak discipline. They fail because five specific things were never in them, and three of the five are predictable to the dollar: $1,011 a month, in this case.
A $640 alternator on a nine-year-old car is not an emergency. A $340 windscreen is. The three-part test that separates them, and why it decides whether your fund survives August.
One short email each week: a money move worth making, a number worth checking, and a trap worth dodging.