After getting caught in a spiral of retail debt purchases -wedding, honeymoon, home improvement costs, medical expenses, and more - my wife and I have FINALLY managed to pay off ALL of our credit card debt.
It took us over two years of having a plan and sticking to it, nay - exceeding it, but it feels fantastic and it’s so worth it. I know it’s super cliche to say so, but a gigantic weight has been lifted off my shoulders.
Many days it felt like we were making no progress, we would look at our balances and they were moving in the wrong direction or we would be forced to put a large unplanned purchase on the credit card… days when it felt like we would never get “there”. But I’m telling you that planning and patience works. If I can do it, any of you can… just trust in the spreadsheet
The best part is that we did this while still saving/investing over 25% of our income on average. It can be done!