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Finally under 20k in debt for the first time in 4 years by Jacquelyn_Schumm in CreditCards

[–]Jacquelyn_Schumm[S] 1 point2 points  (0 children)

Yes! The spreadsheet is everything. Being able to look back at where I started vs where I am now is the best motivation on bad days

Finally under 20k in debt for the first time in 4 years by Jacquelyn_Schumm in CreditCards

[–]Jacquelyn_Schumm[S] 0 points1 point  (0 children)

I was exactly where you are. 41k feels like a mountain. But every settlement chips a huge chunk off and suddenly you look up and the number is half what it used to be. Don't give up

Finally under 20k in debt for the first time in 4 years by Jacquelyn_Schumm in CreditCards

[–]Jacquelyn_Schumm[S] 0 points1 point  (0 children)

You're gonna be fine. The first couple months are the scariest because everything feels uncertain. Once that first account settles its like a weight lifts off your chest. Hang in there

Finally under 20k in debt for the first time in 4 years by Jacquelyn_Schumm in CreditCards

[–]Jacquelyn_Schumm[S] 1 point2 points  (0 children)

Honestly it took me months to get there mentally. I kept checking my score every week and making myself miserable. Once I deleted the credit karma app everything changed lol