8 Reasons I Knew It Was Time To Ditch Paper and Pencil (And Excel)

Getting out of debt is hard. Getting out of debt with 3 kids under the age of 5 felt impossible.

Using a pencil and paper hasn’t helped. I can miss payments because I forget about them. I sometimes can’t read my own writing. Ah :(

I mean, it’s hard enough to be gazelle-intense to get out of debt. Why do I need the added frustration of making mistakes using a pencil and paper (and I make a lot) or using an excel spreadsheet?

What We Did About It (SPOILER ALERT)