Departure for debt freedom suffers a slight delay.

I had hoped to start my 48-month debt payoff plan this month. I'm going to wait, though, until I rebuild my savings account.

It looks like it will be at least next month, or perhaps the month after, before I get the savings account back where I want it and can start tackling the first account on my debt snowball.

I'm not thrilled about that, but it seems to make more sense to do that than trying to tackle the debt without much of a cushion for unplanned expenses.

It's a small set back to what I wanted to do, but I think it's a wiser, more responsible decision.

Or at least I hope it is.