I haven't done the greatest at addressing comments even though it's something I would like to do more often.
i totally admire your desire and dedication to living on $12 per day. it's a hard thing to do! but it seems like you're spending a lot on indulgences rather than necessities, which is fine but it's also causing you to go over budget week after week. would it be beneficial to have a separate category for those indulgences? like, set aside $24 for the week (in addition to the $12/day) for things like tcby or starbucks. that way, you don't have to beat yourself up every day. debt reduction and learning to live on a budget is hard. you do not need to add depression and guilt to the mix!
Fortunately the interest payments on the credit cards are going down as I pay down balances and have received a few 0% transfer opportunities. Unfortunately I've paid $1151 in credit card interest in just 4 months this year. The interest on our car adds up to $280 so far this year. The interest we've paid on the equity line is $341. (I'm not going to calculate the mortgage interest) We've paid $1772 in interest payments in just 4 months (that's $443 a month) because of the debt we've so cleverly acquired. That's $1772 that's just gone, wasted, blown; money we worked hard for that we'll never get back.
I can't afford indulgences. I can't afford the luxury of taking it slow. This $12 a day budget is VERY difficult for me but I know that it's do-able. It is going to take work and discipline and blowing my budget several times before I'm able to hard core stick to a $12 a day spending cap but I know it's possible. I know I can do it and as much as I want Starbucks and TCBY and chocolate covered pretzels I cannot afford them.
Right now I'm LEARNING to live like no one else so that later I really can "Live like no one else!"