NO!!!!! It does not work! We all need to figure out a plan, even if it means eating rice and beans. Those incidental things are just going to come up and they have to be part of our budgets. Maybe concentrating on an emergency fund, first, say $1000, would help, and only tap into it in an emergency. Try to build it and pay off everything else. It is so hard, though, so I completely understand your frustration.

Logan