Finally debt free!
In January of 2025, I had $33k in debt. My debt was with multiple creditors and just ate away at my pay.
Mostly using the snowball method, I paid off my smaller debts like Afterpay, family (small amounts and paid off quickly because I appreciated their generosity), payday loans etc.
I also saved a consistent amount each fortnight ~$600 by not buying anything that wasn’t strictly necessary for the house or kids.
Mid 2025 I was heavily pregnant and had my car and credit card left over. Total was ~$20.5k. I used a large chunk of my savings on paying off my car outright just after we had our daughter. With $8k left on my credit card, I rolled everything after bills and savings into it. I blocked it from accepting transactions and decreased the credit limit every time I’d paid off $1k. I redirected or cancelled any subscriptions on it and didn’t spend on it (bar one time for a vaccine outside of my son’s schedule).
Last night, I decided to end it. I grabbed ~$500 out of my savings and finally drowned it. My interest had just hit on that day and I figured it’d be incredibly simple just to close it without any further interest or fees. I immediately sent the request to close it.
It’s been 11 years since I was debt-free. It feels so good!