This is where I’m struggling with the logic

– no head slaps, I really am trying to wrap my mind around this. I get it now – between you and Eldred, I’m getting it!

I make my payments online so not sure how that works with the envelopes. Haven’t reached that section in the book as yet. I’m still working on digesting the Snowball and the other baby steps.

You are explaining it fine – don’t forget I’m struggling to understand a different system. In South Africa its very different and I find myself defaulting back to that, even after being here for 12 years 🙂 No, I’m not going to give myself a head-slap, I need my cells functional for work at the moment LOL