Choosing to focus on the financial side of this:

I choose to focus on the paying off credit cards part of this. Reward credit cards are so fantastic for those who are rigidly paying them off every month and using the rewards as another form of compounded savings.

There are so many financial "instruments" that are just that - instruments. Some can be used to make beautiful music, while in the wrong hands, they'll create a cacophony of pain and sensory feedback loops that lead to less and less joy. :)

I have some kettle bells at home, but I still prefer the gym, nothing beats a bar for heavy squats. But, there's an opportunity for me to save some money in the future - money saved is a revenue stream, after all - provided that money doesn't go anywhere else.

The first day I was redundant from my old corpo job (I'm still searching for a new one!) I converted my budget spreaadsheet into a web app so that I could lessen by dependence on Excel.

Time is money. Money is time, therefore, why didn't any budget tool do that?

I've got a runway, and aa "worst case scenario" calc (not expecting future income) which tells me how long I can last without anything new.

I wrote a post about it a little while ago.

https://holoz0r.github.io/MM/

Hopefully others can find the tool useful as well.