Zero.

Zero is beautiful, you guys.

Maybe not when that’s the number in your checking account, or how many calories you have left in your allowance for the day.. but when it’s the number on all of your credit cards? BEAUTIFUL.

It’s the second time I’ve paid off several credit cards. And the last.

I was so angry with myself for letting them get racked back up [not long] after they were initially paid off about 2 years ago. I had an excursion to Europe (where the exchange rates are just terrible when converting American dollars to the Euro and pounds, unfortunately) and Christmas that followed paying off those credit cards and well, one thing led to another.. and they got pretty high again.

2013 has been a year focused on aggressive financial changes and I’m happy to announce that I made my last credit card payment & all card balances are back to ZERO and that I’ve completed goal 3 of 13 in 2013 much sooner than I originally thought I would.

It’s been hard work, the past few months but it feels AWESOME to have no credit card debt.

Next challenge is socking that extra monthly cash allowance that was designated for credit cards straight into my car.

I’ve heard that money doesn’t buy happiness. But I’ve also heard recently that money buys choices.

What could you do with extra money in your pocket?

In a few months I’ll h ave no credit card payments and no car payment.

Oh, the possibilities!

happy day

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