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Ask Dave

Feels Like No Progress?

Alicia has three kids and $81,000 in debt and wants to know how to feel like she's making any progress.

QUESTION: Alicia is on Baby Step 2 and has three kids. All of their debts are large ones, so they have trouble feeling like they are making progress. They have $81,000 in debt, mostly in student loans.

ANSWER: You make $100,000 a year, so you've got a pretty big shovel to work with.  I understand the progress issue, so break it down into mini-goals.  As you begin to knock those out, you'll feel like you're accomplishing more.