Happy New Year!
Buckle your seat belts, roll up your sleeves, it's time to get to work.
Write down your goals for the year.
Get a budget started for January.
Calendar out when you will get paid, and when you will pay your bills.
Look for ways of cutting back and/or adding more income.
Are you there yet?
If not, what will it take?
Here are a few examples of people who talk about their moments of "being sick and tired of being sick and tired", a phrase used by Dave Ramsey.
My own update:
As of December 23, 2016:
Current Debt: $19, 990.61
Debt Paid in 2016: $4,625.86