This is Part 2 of a 5-part series on breaking up with credit cards and paying off debt. Here's the truth: if you throw all your extra money at debt without saving for things you KNOW are coming, you'll end up using the credit cards again. Camp registration. Car insurance. Christmas. These aren't emergencies - they're predictable expenses you're not planning for. In this episode, I'm breaking down why you need to build a sinking fund BEFORE aggressively paying off debt, and how to actually plan for the things you know are coming instead of acting surprised every time.

You'll learn:

• Why the debt payoff roller coaster keeps you stuck (it's not bad luck, it's lack of planning)
• The difference between emergencies and predictable expenses you're not planning for
• How to build a sinking fund for things you KNOW are coming
• How to look ahead 2-3 months and actually plan your spending
• Why this gets you debt-free faster than throwing everything at debt and using cards again

This is Part 2 of 5. Start with Part 1 if you haven't listened yet.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

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www.facebook.com/groups/debtpayoffforwomen