It has finally come. After procrastinating and putting things off, I have finally bitten the bullet and am working on paying down my debts and living without a credit card. The first month has been difficult to say the least, but it looks like I am going to end up October with money still in the bank.
I am taking a one card at a time approach, and I have no idea how long it will take for me to pay down my debt, but the good thing is that I feel a million times better having a plan. The only drawback will be if something unexpected comes up then I will have to figure out how to pay for it. Also, traveling will be taking a back seat for the foreseeable future unless I get a generous donor who wants to send me around the world for them (hint, hint! I am fully available haha).
One step at a time!