If Time was Really Money, This Budget Would Be Rich! College Loan Consolidation Not Needed

Part four: So I gathered up the old checkbook registers, a calendar, and a legal pad and started to make our budget. Six hours later I thought I had it nailed. Three days later I thought for sure I had it right. Ten days later I finally had a workable budget. Amen. After much tweaking, re-calculating, cussing, and drinking, I had what I needed-a real plan. More like a path with a map. My $100,000 debt would be paid off in about 6 years! Liberating! The all cash plan looked like it could really work, now only to "sell" it to the dear wife. I presented her with the envelope system. Eight envelopes each with a name. She then called me some names. This might take a while....