Since my March progress update, I've been a slacker and let the lure of a digital piano tempt me into expanding my consumer debt. "That's a no-no, self," I told myself. It didn't help. I succumbed to temptation. Whereas in March, I had reduced my consumer debt down to 35.7% of my mortage debt, due to falling into old habits, I've let it creep back up to 41.8%. *sigh*

So it's back to the grindstone for me. It's time to recommit, time to renew my determination to stop this and rid myself forever of consumer debt. This is especially important as Christmas is approaching, a time rife with opportunity to spend money one doesn't have. In order to combat the temptation, I need to hold myself accountable. As part of my recommittal, I will report here on my 'blog next month how I'm doing, just before Halloween.

If I'm serious about being consumer-debt-free in two years—yes, my original goal has been extended, sadly—then I need to be knocking off nearly four percentage points each month. So I'm shooting for 38% by my next report.

Wish me luck. (Or better yet, financial self discipline.)