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Originally Posted by Sadie
Well, debt-free is not soon, but I am working hard towards that goal. I should have one of my debts paid off this week, another paid in November, and then a huge chunk of another with my tax return early next year. After that, I should be fine.
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Assuming you file taxes early, to me close to debt-free in February is very soon, actually. Take the amount you currently spend on debt. If you have that every month, for an emergency fund (so you don't have to knock on wood), and regular expenses, and savings, that might be the cushion you need. That would mean just six months of potentially hardcore penny-pinching. I'd eat oatmeal for breakfast for 6 months and not go out to eat in order to have a job I loved and a lot of free time.