GOOD FOR YOU! Freaking amazing WHEN (notice I didn’t say IF) you succeed, with your debt reduction plan.
What happens after that? Are you out of debt? If so WOW again, but if not maybe another plan on cutting your debt load quicker? Maybe a break from plans with a plan to start a new plan in a couple of months?
If you are really out of debt, you can now create a SAVINGS PLAN!!! Whoo Hoo! Those are sweet, because now the money stays with you, not your creditors, this is the gravy train. A retirement plan can be tackled now, now you have all this planning experience.
Life doesn’t have to be RIGID and PLANNED completely, but the things you can control or you WANT to control, use a plan with, and don’t get hung up if your plan isn’t working, just work it again, that’s all. You can do it!