Love your post! Are you a Dave Ramsey fan by chance? His debt elimination plan sounds similar to what you've got going on, the snowball method.
I think it's tough to simplify at first but I've found the more I pull away from mainstream trappings, the easier it's gotten!
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Yes I have heard of Dave Ramsey but not yet looked into his stuff. Maybe I should considering what I am doing is close to what he is doing. He may have points that I could very much implement into my life. Thanks for the tip.
I take each day one day at a time some are harder than others but I keep just keep my mind on the goal and try to have fun along the way.
I homeschool and no longer work so I can kind of take myself out of the mainstream which makes things a little easier.
Good luck and keep moving forward.