Debt Free by 2012

Ok so I came up with a great new budget plan. Here's how it goes. STICK TO THE PLAN. We've been on a "budget" for over a year now. But we really haven't been on the budget. So I came up with a plan to stick to the budget. First of all it will be written (not like it wasn't before), but it will also be posted on the fridge. Meaning if you come over to my house any time in the next year, you will be able to see what we spend our money on. We are going to be couponing and cutting out everything that is unnecessary, like movies, and going out to dinner. We won't be going unless we have gift cards, which we do have a few of. I also have a few other ides, but they seem like a lot more work. So if simply posting it doesn't change things, then we'll go to plan B. Which is to cash all the allotted money we have for each category into an envelope and stick that to the fridge. When the cash is gone we are DONE spending. A little extreme I know, but extreme times call for extreme measures. The student loans are starting to add up. I'd like to spend extra money on things like trips and golfing rather than bills. I hate bills. I budgeted our spending based on a low paying month, then subtracting a few hundred just cause I'd rather have a little extra in the bank than not enough. Then I set up a solid pay schedule based on what we pay now, and the money that is GUARANTEED. I also just realized that I didn't count any of the money we will be getting from the 2 extra jobs we just picked up. The way I figured, we should be debt free (except the house) by tax season next year (not including extra money from extra jobs that might add a speed boost to this process). It's so close I can almost taste it. Now if only I can get the printer to work so I can get this process going. PS anyone with an iPhone should look into the APP Home Budget. The only thing it lacks is actually connecting to your bank account. All spendatures have to be entered manually, but I like this better. I tried using Mint for a while, but It always seemed to be a few days behind the bank account. Mint said I had money to spend, but the bank account didn't. Got myself into trouble more than a few times. Home Budget takes more discipline because you have to enter everything your self, but at least that way I pay attention and I know that things are correct.