Budgets are boring.  How many times have you heard people tell you to cut out spending on things like eating out and coffee so you can  pay off debt?  Is a few cups of coffee really going to put a dent into a $1000+ debt?  Is working multiple jobs and putting all of your money in someone else’s pocket really in your best interest?

I’m Joy Oliver and I  believe that you can pay off debt and still enjoy life while saving for your future.  Check out my book, Keep the Fun, Plan for the Future and others at KeeptheFun.blog/books.