Goodbye Credit Card Debt!


This morning, at 12:38AM, in the glow of my cell phone, I sent my payment that paid my credit card balance in full. It had ballooned to $927 ($307 more than in June) because of an unexpected vet appointment, a parking ticket, and my coffee addiction. I could not go to sleep without paying it off.

For the first time in 10 years, I have no balance on my credit cards.

I am standing in the light of this truth and it’s a magical feeling. I agree, it is normal for many people, but this feels like a big accomplishment. Which, makes it simultaneously magical and embarrassing. Yet, it shows me what I am capable of, where I need to spend a little bit more time with myself, and how, with some persistence, I WILL BE DEBT FREE.

A weight has lifted and I can focus on other financial goals things like building up my savings (which has never been more than $500) and to aggressively pay off my student loan. I see the value in having a $1000 in emergency savings to pay for things LIKE a unexpected vet appointment or a car repair, while I throw all of the $$$$ at the loan. This was just one step in a many. Being debt-free is a process. There are many approaches. I’m going to find my way.

My budget is set for the next 2 weeks. I am riding into the weekend with so many smiles.

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