I got out of credit card debt! Hallelujah!!
I no longer owe money to my credit card. I managed to pay off nearly $2,000 in roughly 4 months. The sense of relief felt after the last payment was astounding! Never have I felt so happy and free in quite some time.
After reading countless articles on eliminating credit card debt and receiving countless collection calls, I made a plan to finish paying off the card by the end of 2015. I was lucky to complete this goal way before the end date. It all started when I received a temporary promotion with a pay raise. Now I probably would have finished the card a lot faster had the position been full time but I digress. The plan was to allocate roughly $200+ every statement cycle until the balance was $0, I figured it would take 8-9 months if I was diligent but with an unpredictable part time the end date could be later.
From November 2014 to February 2015 I paid $200 and change, after filing taxes I applied all of the federal return along with an extra $200 to completely annihilate the debt. As of March 20, 2015- I am debt free!!
I don’t owe the credit card company, I don’t have to get multiple collection calls everyday from 8am-8pm. I just don’t have that dark cloud hanging over my head. Now I can live! I can concentrate on other things like actually having money in my account to splurge on Sephora or DSW. 😉
Taking this time to breathe and start repairing my credit and finally accomplishing some more of my goals.