<human>: So I've never posted in here before but I wanted to take a moment and celebrate a personal accomplishment in PF. I'm 30 years old and have been in and out of good and mediocre employment over the working course of my life. I never really took charge of my PF until early last year (2015) when I took all of my accounts OFF of auto pay and adopted a spreadsheet to track my rotating debt, accounts and payments. 

 

When I started this spreadsheet last year I also started a really good paying position with a new company and have been able to aggressively tackle my PF. Each month I break out my sheet, look at what is owed where, what payments are due, and get to work. First I log my incoming check, deduct payments that are required, funnel some money into a savings account I pretend doesn't exist, and then anything left over (I have a personal floor of $2000 in my account at any time) goes towards principal payments and accelerating payoff. 

 

In less than one year (7 months) I've taken a projected DF date 2.5 years away and knocked off an entire year. I'm looking to do the remaining 1.5 years in just one year as my PF goal for 2016.

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: I started manually managing payments and accounts and took everything off of auto pay. Tracking with a spreadsheet I've paid off one year of 2.5 in just over half a year.