I am officially joining the Debt Snowflake Challenge created by Melissa from Mom’s Plans! Yes, my penny from this morning was my motivation! I just tallied up our consumer and education debt and the figure stands at $8,688.93- yowza! That is a lot of pennies, however, I honestly expected it to be higher as I haven’t looked closely at my student loan statements for quite some time. It is time to kick that ugly monster out! I want to be free and clear of this debt by this time next year. That gives me 52 weeks to snowflake, meaning I will have to snowflake an average of $167.09 each week. That is actually a pretty scary number, but I have faith that we really can do it. I really love Dave Ramsey, but I am veering from his approach. Just about half of our debt is from one really ugly credit card that we used for wedding expenses. The interest is absolutely ridiculous and the monthly payments kill us, so that is what I will be focusing on first! Follow along as I update my progress every week!