Ok so I mentioned previously that Jer and I got out of $15K of debt in about a year while still covering all of our expenses.

What's our secret?

Well firstly, we listened to Dave Ramsey's book on tape, "Total Money Makeover" and started on his steps to financial success right away. (Which I highly, highly recommend, by the way.) One of those steps is creating a budget and sticking to it. Jer got really into this and made a killer excel spreadsheet that helped us break down expenses vs. debt and gave us the tools to set goals and accomplish them. He has created a template of it for anyone who is interested in using it. It also gives us the amounts of money we each made from each of our jobs and then spit out how much we owed for our 10% church contribution each month. It seriously saved our lives.

So if you are interested in demolishing some debt, or just want a really good budget to follow, click on the link for the template:

DEBT DEMOLISHER