Great article! I use the budgeting app YNAB and they teach "spendfulness", which is rather than taking the mindset of just "spend less" in order to save and get out of debt, being intentional about spending more in categories that matter to you and saving and using your money in a way that makes sense for your life. I think your point about taking on debt for good reasons really connects with that!!
Great article! I use the budgeting app YNAB and they teach "spendfulness", which is rather than taking the mindset of just "spend less" in order to save and get out of debt, being intentional about spending more in categories that matter to you and saving and using your money in a way that makes sense for your life. I think your point about taking on debt for good reasons really connects with that!!
Thank you, Julie. That intentionality is a huge key. When I got into debt, I was anything but intentional and it took me years to dig out.