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I'm also a budget obsesser. I'm actually on hold with my bank right now as I'm doing some tweaks to my budget (refinancing a car as we move all of our accounts to a new bank with better rates). I work on my budget about every 2-3 days. I've been popping into this board a lot lately, but not over the past week as we've been on vacation. I've come a long way with my finances and love to help others do the same. We have a small amount of debt (car loan and education loan), but we dug ourselves out of a hole of a few tens of thousands of dollars of debt and the financial freedom it's brought us is amazing. I wish everyone could have it.