I've never shared HOW much credit card debt I had before because it's embarrassing, but it doesn't have a hold over me anymore, so I'm going to share it.
When I started this journey to really pay off my credit cards in May of 2008, I had 6 credit cards and more than $16,000 in credit card debt. When you factor in the fact that I JUST stopped using those bad boys in 2011, I'm pretty sure over the last 3 years and 8 months, I've paid more than $25,000 in credit card debt. Stop. Think about it.
When I started this journey I barely made enough money to pay my rent AND eat three meals a day. The task was overwhelming to say the least. It seemed impossible, but with God's help, an open mind, trial and error, a healthy dose of discipline and regular pay increases, here I stand credit card debt free and I'm beyond ecstatic about it.
I just want to encourage anyone who's in credit card debt now: You CAN stop using (and sometimes abusing) your credit cards. You CAN pay your credit cards down. You CAN live off of cash only. You CAN have a fabulous credit score (and a fabulous life at the same time). You CAN be free of the guilt and shame that comes with credit card debt. You can do it!!! Just by reading this blog, you've believed in me all these months... well, years. And this time around, I believe in you.
Happy Friday!!! No, I'm not going out tonight and and no, you cannot borrow a dollar!