Balance Is Key

Budgeting during a debt-free journey requires balancing debt payments with daily living expenses and savings. It’s about smart allocation.

Tips for Budgeting with Debt

• Prioritize high-interest debt in your budget.
• Cut unnecessary expenses temporarily.
• Use zero-based budgeting to give every dollar a job.

Staying Consistent

Track your progress monthly, adjust as needed, and celebrate small wins to stay motivated.