By Chantal Bolduc at May 27 2019 05:54:48
I have said "Don't Use Worksheets" about every way there is to say it, and each time I have included solid brain_based, researched reasons for this statement; and yet, I know that many people will ignore the science in favor of the convenience. It is very difficult to fight the tide when there are so many internet sites pushing worksheets at parents, and so many reputable textbook companies doing likewise. It is difficult to remember the reasons to avoid them when one has very little time to devote to working with math. Worksheets just seem so much easier than doing things any other way. Can they really cause harm?
The worksheets themselves can't pay_off the debt, you still need to do that part! But the worksheet should allow you to shift money around on paper (computer screen) so that you can see the financial impact on your budget. Giving up a small amount of spending in your discretionary categories and applying some of that money to your debt load will dramatically improve your financial situation. Before you know it, you'll be able to apply that extra money to your new goals _ without going into debt!