At the end of 2009 I acknowledged that I have a spending problem, and after acknowledgment came some of the first steps to achieve a debt-free life. First things first, I cut up my credit cards, and today I finally paid the last two cards off! I had $2600 in credit card debt this morning, and after applying my tax returns I have $0 in credit card debt. Because I no longer have to make monthly payments, I have an extra $143 per month! The extra money is going towards other debt (I have about one year left for payments on my car, and student loans). Even though I haven't accomplished my initial goal of eradicating all of my debt, I am so proud of myself. I am one step closer to living without shackles to distant numbers.
At the end of 2009 I also decided that I wasn't going to take out any more student loans for my undergraduate degree, and I haven't. I have not borrowed a single penny for school. I have paid for each credit hour on my own (spare a sweet gift from the amazing Bentley, who paid 3/4 of my fall tuition), and it has made me appreciate school so much more!
I can finally see a light at the end of the debt tunnel, hoorah!