I have recently made it a priority to get out of debt. 2016 is my goal year to become virtually debt free. This comes at a hefty price though. I am a shopper and although I am frugal cheap unnecessary items are still unnecessary. These next four month are milestone months for my budget (namely because there is minimal money in my play money fund). It is really hard to go to work daily and not treat yourself to even frugal items. However, I have to keep my eyes on the prize. I did the math and realized that I am giving a lot of money away in the form of interest and fees to bill collectors and that’s not okay for me. So my spending fast begins now. Wish me luck and pray for me!!! Operation financial freedom and prosperity in full effect. Photo courtesy Slate.com.