I mentioned previously that I was almost done with my credit card debt and that I refinanced my car onto a 0% balance transfer credit card.
I have good news to share! I made the last payment on my credit cards today! As of now, I have no car loan, and no credit card debt. My dad refuses to let me pay back what I borrowed from my parents, so as far as I'm concerned, if he doesn't want the money, that debt is gone, too.
All I have left is a massive student loan balance. I'm going to hold off on attacking that just yet because I want to buy a house. I qualify for down payment assistance through a local business organization, so all I have to come up with is enough to cover closing costs. I should have that in a few months, and then I'll go looking for the right house for me.
After that, I'll start going after my student loans and then the mortgage. I'm hoping to have the student loans gone in about 3 years, and then the mortgage a few years after that.
Overall, I've already paid off somewhere in the mid to high 5 figures of debt. I'm ready to get off this roller coaster.
I'm not cutting up the credit cards. I'm sticking them in the drawer for emergency use only, and I'll keep one card in my wallet to use for purchases and I'll pay it off in full every month. (This is basically how I've been operating for the last couple of years anyway. I pay off my main card every month, and I've been attacking the other ones to get rid of the stuff that piled up while I was unemployed and underemployed.)
Freedom is so close I can taste it!
