As you have been tracking your expenses you should have found out what your spending pattern is.
You may realize that you eat out to much. You spend are always buying new clothes. What ever you spending is you will find that it is hard to cut back so that you can use that money to pay extra on one of your cards.
As you stop using your cards and start paying with cash this will be hard for you to do at first, but as you continue to use cash and not credit you will feel a lot better knowing that it was paid for.
This week I want you to come up with how much money you are going to start to pay extra on one of your cards. It can be $50.00 to more.
I want you to share your thoughts on how much money you are going to apply to one of your cards. This amount will be called your accelerator margin and you will put this amount in your budget. Get a great FHA refinance loan