I tend to be a logical and analytical person so I’ve always found it difficult to make paying off low-interest debt a priority when the math tells me that the smarter play is to invest it. In the FI community, this is a perfectly valid approach.
However, despite my grasp of the numbers, I have discovered I have a huge blind spot when it comes to my actual behavior. Regardless of what I know, what I’ve done is the exact reason I needed to start this blog. Counter to my expectations, I wasn’t saving more, I was spending more.
I’ve been feeling pretty discouraged lately. It seems every time I look at our finances, things are moving in the wrong direction. We’ve been hit with one thing after another – car repairs, medical expenses, vet bills, more car repairs – it feels like it will never end.