Bu-by!

I just torched my last credit card after paying its outstanding balance of $15. I'm currently reading Dave Ramsey's Total Money Makeover on the recommendation of my mother, who's sound financial advice is one of the reasons my house, which has appreciated 75k in the four years I've owned it, is my only outstanding debt.

As practice, I've successfully kept myself on a food and entertainment budget for the past 2 years. I just pull out the cash at the beginning of the week, and that's it for the week. A comprehensive budget is a little more challenging, but totally necessary for any degree of sane financial planning.

I might be time to practice guitar...