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Sorry to shout it up there, but I can’t hold back. Payday was today and I have been itching to use the entire amount (and some) towards our debt but had to wait until after work. Then wait until after dinner. Then wait until I ran the numbers to make sure we could do it.

I don’t have to wait any longer. It’s a done deal. I initiated the payments and our credit card debt is under $20,000! It now sits at $19,806.

I haven’t even hit the “Publish” button on this post, yet I feel my heart fluttering a little. This milestone means a lot to me. Thank you to everyone for reading and commenting and helping to make this joyous day possible. There have been times where I’ve felt like throwing my hands up in defeat but with this blog I can’t. I can’t give up.

(NOTE: True to what I said earlier, my payments were towards my Prosper loan. I haven’t mentioned it lately, but my Prosper loan has always been considered part of my credit card debt total because I used it to transfer some of our credit card debt. So, whenever I reference credit card debt it includes the Prosper loan balance.)


  • Reply Stephanie @ PoorerThanYou |

    Congratulations! Even though I’ve only been reading your blog for six months, it’s been exciting to watch the progress you’ve made in that amount of time! You’re an inspiration! =)

  • Reply TXEva |

    Congrats!! You’ve come so far; it’ll be great to watch you conquer that mountain.

  • Reply Clever Dude |

    Congrats! Our CC debt is $2 shy from being under $10,000 for the first time since, well, mid-college or so (about 9-10 years ago). I’m not counting 5k I just put on another card for tuition since that should be reimbursed by work in the next month or two, and we paid it off with some savings until then.

  • Reply Kristina |

    What a great milestone in your life and a wonderful accomplishment for your family. Here’s to paying off the remainder well in advance of your target date!

  • Reply Beth |

    Congratulations, Tricia! I love it when people don’t just TALK about what they’re going to do, but DO IT! And you are doing it! Way to go…. 🙂

  • Reply Patrick |

    Congratulations! Reaching milestones on the way to attaining your goals is a wonderful feeling!

    Thanks for sharing your journey with everyone. 🙂

  • Reply Dustin |

    Congrats. Good luck in the future.

    I was wondering if you had any non credit card debt. Any mortgage, school, car, home equity, etc loans? If so, how do these change your goals of paying off your debt? If not, how would they?

  • Reply Amy Bass |

    That is fantastic! I cannot wait to get my debt to that number. I still have a LONG way to go. Keep up the great work. I will be tracking your progress. 🙂

  • Reply Bev Schweigert |

    Congrats!!! I’m sure you are very excited! It will keep getting smaller and smaller…

    We’ve been working hard on paying off our debt lately too and I really need to write it all down and see our progress each month like you do.


  • Reply zhafran |

    The first thing you’ll need to decide when choosing your credit card, is why you need one in the first place. Some people choose to get a credit card for cash flow purposes. With a credit card, you can make purchases and buy things, leaving your paycheck or other source of income in your bank account to draw interest.

  • Reply Karen |

    I just stumbled across this blog and have been moved to tears. I thought my husband and I were the only ones to have such high debt. I’ve felt lonely and deeply ashamed over our $43000 in credit card debt. It’s taken a year but we’re now at $31,337. It’s been even more overwhelming lately. We have 5 school age children, one of which will be a senior this year, so along with coming up with school clothes, we’ve had senior pics,class ring etc. Recently there have been unexpected medical bills and a major car repair that didn’t repair the car (but that’s another story)–all of which make it hard to focus on our debt. Your blog has been inspirational for me today– I congratulate you for getting under the $20K and more importantly, for sharing your story.

  • Reply Mark Bustamonte |

    This site is awesome. I applaud you for your efforts and the goals you have reached. I think this site is evident of the fact that sometimes you have to pronoun to the world (within reason) your intent in order to hold yourself accountable. Great job and very encouraging!!

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