I’m a planner. My present is total chaos (you should see my room right now, it’s as if hurricane Matthew made it all the way to my bedroom), but when it comes to my future, I like to plan for as much as possible. I create my own budget through excel which includes budget projections based on differences in pay, a savings tab to keep track of our 10k savings goal, and a debt tab that shows not only how much we owe but also how long it will take to get under a 30% debt ratio. Every time we go to Disneyland I make an excel spreadsheet that details all of our reservations, park hours, schedules for entertainment we might want to see, and a budget for the week we go. So yeah, I’m a bit of planner. Continue reading →