Prov 1:7 The fear of the Lord is the beginning of knowledge,
but fools despise wisdom and discipline. (italics mine)

I am a fool, because I despise discipline. Part of me craves it, and the procrastinating side of me hates it. I'm like Gollum. We hates the discipline. Anywho, this getting out of debt thing will require discipline. When you pray for discipline, God doesn't just give it to you. He gives you opportunities in your life to learn how to be disciplined. I can see many areas in my life where I have that opportunity. Money, Job, Health, and most importantly, time with God. Steps I've taken to be more disciplined: no more cokes, no more cable. Stop spending foolishly. Budgeting. But I've still ignored God, so none of this will last unless He becomes the focus. I don't want to be a fool. Not anymore.