My financial epiphany moment was about 15 years ago. I was in the habit of writing checks for the current bills on the night before payday. I had not been late on a bill in years and had a bit of wiggle room.

I had the thought that if I had just $300 more per month, I would have it made. It dawned on me that I had always thought that way. In the beginning it was just $50 per month. BOOM (V8 moment)! It was not the income, it was the life style! I cut back on spending and decide to get rid of the pesky little bills. Years later I happened upon Dave Ramsey and further refine my plan (mini emergency fund).

My last debt was the car and at that point I was paying at least 3 car payments per month. How good it felt to pay off the car (yes, it does drive better).

The greatest feeling came when I sat down the night before payday and realize that my paycheck was mine. I only had rent and living expenses.

I saved up and put down about 13% on my house. Life is pretty good now.

Good luck in your journey! It is definately worth the effort.