seth_stone•6mo ago

I finally paid off my high-interest credit card debt

Cut all dining out and entertainment, cleared it in six months. What's your method for tackling debt?

3 comments

Log in to join the discussion

Log In

3 Comments

bethw306mo ago

Cutting out non-essentials was key for me too. I went full austerity mode, canceled all subscriptions, and threw every extra dollar at the balance. Snowball method worked psychologically, even if the math says avalanche is better. Seeing those small cards zero out kept me motivated. Took about eight months of grinding, but the relief was worth every skipped latte.

4

patricia1676mo ago

My local pizza place started sending me welfare checks after my six-month boycott. I became so frugal that I considered reusing dental floss. Threw every spare cent at the cards, even the change I found in the couch. Honestly, the only entertainment left was arguing with my cat about the budget. But seeing that balance hit zero was sweeter than any restaurant dessert I skipped.

2

blair_webb306mo ago

You considered reusing dental floss? I once tried to wash and reuse paper towels, which is just sad. Patricia, your boycott story hits home, and bethw30 nailed it with the snowball method keeping you sane. I got so cheap I'd argue with the vending machine for giving me the wrong change. Throwing every extra dime at the debt felt endless, but seeing those small balances disappear kept me going. That moment when the last card hit zero? Better than any fancy drink or dessert I ever skipped. It took over a year of skipping every non-essential, but the relief was unreal.

7