No more credit card debt!!

[miss_ljv]

Today we put the final $3600 needed to pay off ALL of our credit card debt.

We went from around $8200 in credit card debt as of like, September or October 2021 to zero at the end of January 2022.

Simply wild. To think we carried thousands in debt for YEARS for no reason other than disorganization and needless overspending (primarily on my part). Never again!

Proud of us!!

Next up: student loans.

Comments

[imogen-blue.livejournal.com]

Yay!!! I know this feeling! CONGRATULATIONS!!!!

[miss-ljv.livejournal.com]

Hehe thank youuuu! I for real can't remember the last time I wasn't just carrying around revolving debt. Now that I'm here I can't believe I ever let it get so bad!

[spiffikins]

AWESOME! That has to feel amazing!

[miss-ljv.livejournal.com]

It really does, and just makes clear to me how much money I wasted (live and learn) and how I'm just not gonna end up there again!

[tigersinacage.livejournal.com]

Congrats! That's awesome to hear and really inspiring because I am in a similar spot. I am hoping that just keeping myself from needless overspending will help me get to zero within a couple years. I've made progress in the last couple years, but still working on it!

[miss-ljv.livejournal.com]

Absolutely, and every situation is different. There are a lot of things that fell into place in a short period of time for us (such as me getting a HUGE long-needed raise/promotion and finding a lucrative side hustle), and we were already really stable; I was just irresponsible because I wanted what I wanted when I wanted it :P Once I stopped buying a bunch of stuff I didn't need, like, EVERY DAY, that helped SO much.

But I know many people AREN'T just throwing their money away and are still struggling — I've been there too. What really got me going was watching YouTube videos of people's financial journeys — especially ones who are still on the journey, and who aren't rich/living basically paycheck to paycheck and how they were able to succeed!

ETA: Also, soooo many unnecessary subscriptions, etc. Getting rid of most of those helped too!

[brittdreams.livejournal.com]

Congratulations!!!

[miss-ljv.livejournal.com]

Thank you!!!

[kensmind.livejournal.com]

Hallelujah! Those credit card interest rates are a killer. Free at last, free at last!

[miss-ljv.livejournal.com]

Haha it's TRUE! Such a waste. Weee!

[spikesgirl58.livejournal.com]

Well done. Congrats!

[miss-ljv.livejournal.com]

Thank youuuu!!

[chochajin.livejournal.com]

Yas, achieved! Great news. I'm happy for you. ^^

[miss-ljv.livejournal.com]

Thank you!! So much progress ^_^

[meringues.livejournal.com]

Wow, congratulations!

[miss-ljv.livejournal.com]

Thank you! Mostly just celebrating finally being more responsible and not falling victim to "lifestyle creep" :D

[emaciatedwords.livejournal.com]

Congrats, that is awesome!!!