As my regular readers know, I often post about how I am trying to get out of debt, and how frustrated I am at how difficult it has been to make any progress. It seems simple enough: draw up a budget, and don't spend more money than you make, and put any extra money against the debt. But life is never that simple. For over 12 years now, I have been 2-3 years away from being debt free. The out of budget expenses just never freaking stop. How the hell do these idiots that call in to Dave Ramsey on Fridays to yell, "I'M DEBT FREE!!!!" manage to do it? If their child or wife requires a bunch of medical expense, how do they pay for it? If their vehicles break down and require expensive repairs, how do they pay for it? How does any one get two or three years in a row of NO EXTRA EXPENSES so that they are able to catch up??? I only ask because I sure as hell haven't been able to do this.
Damn it, just damn it. And damn Dave Ramsey too, the smug son of a bitch.