Re: The $20 challenge
You can use the $20 challenge money that you save up, for anything, especially paying off debt. I transfer my money once a month or so, to a savings account that pays over 4% interest. I am saving to pay off a piece of property that I own.
I use the envelope method to pay my bills. Right now, I have extra left over in my electric payment envelope, so I will add that to my challenge money.
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