A little bit about myself: I am a 26-year-old Canadian living in British Columbia. I am a full-time server/bartender at the moment... starting school in November for dental hygiene! I accumulate all my cash tips from the week and stuff my cash envelopes for the following week on Sunday. I leave the money I get from my paycheck in my bank account to pay for my bills/expenses, while my cash tips stuff my cash envelopes and my sinking funds. The remainder from my cash tips after deducting from my cash envelopes and sinking funds goes toward my Debt Snowball. Whatever money I have leftover from the week will roll over towards my Debt Snowball. So before I go back to school, I hope to pay off a good chunk of my debt with Baby Step Number 2. I will not be taking out loans for school if I do get accepted. I currently live at home, helping my mom with rent and other expenses as well. Thank you for joining me on my journey to becoming financially fit!