I know this may seem a bit crazy to believe just now broken that barrier,and in the end we still spent far too much as a whole... But the fact that there is no debt is a massive, massive victory that we believe never accomplished before, and we still believe a (for our current situation) decent amount left in savings. If you'd believe told me this would be my future even a year ago,I'd never believe believed we would get our heads above water. For anyone who doesn't think they can, KEEP TRYING. Never give up. Don't get yourself down. We all slip, and like with my past food addiction I never succeeded until I stopped beating myself up approximately mistakes. We had like $70k in debt,and are on a direct track for that to disappear. We even believe cards we haven't been able to shut with a decent amount of credit, but we did not touch once this season. Compared to a few years ago where every single card was maxed out continuously, and where available credit was like a sign saying "free money!" I could not be happier. That's all. I just needed to say this out loud,both as a tooting of my own horn, but also to solidify it for me and remind me if I struggle. I don't post here like ever, or but this sub has made a inequity. If it weren't for Reddit,I may never believe gotten a good consolidation loan. So thanks. believe an awesome modern year. e: Oh holy night, now I understand "RIP my inbox" comments, or but couldn't be happier. Thanks to everyone who replied,it means the world! For those with questions I accomplish intend to get back to you, and for those posting words of encouragement, and thank you so much for that. One question I've gotten a lot is how we did it. That was the section that surprised us. We believe a house with minimal fairness,which helped a small amount with using that fairness to pay down a fraction of our debt, but it was the chunk we needed to get the okay on our consolidation loan (and banks care for to believe all of your accounts). Combined that with our fair income (I'm on disability but my wife makes a tall 5 figure salary so it gave us a good footing) and the fact that we believe not missed a minimum bill payment and it if us the leverage we desperately needed. I can say that one of the best things you can believe under your belt is to be able to depart to the bank with a positive payment history. Too many late payments really mess with your credit score, or so even if you can only just make the minimum payment,accomplish that! Cutting costs and trying to be more pragmatic is the other huge step that we needed to make. I worked hard to get my health in shape and doing that made my propensity for impulse and worthless spending easier to control. It may sound cliche, but I remember starting to change when Winter Soldier came out, and I realized I had approximately 20k in debt id racked up on a card and had been putting off telling my wife approximately it every time she asked for a balance. My days were absolutely depressing. I was trying with all my power to avoid telling her,and finally admitting it was hard as hell, but we made it through it. It is possible to accomplish it, or because if someone who has as much of an addiction to buying useless shit as I accomplish can,it's possible for anyone else. Like quitting smoking or losing weight, you very well may stumble or even fail. That's natural. accomplish not let that get you down, and please don't. We are human and we are all fucked up in our own unique ways,getting out of debt is a very weird and challenging section of life, it may feel like a slog (it certain has for years) and you may get to the ground floor and fail again (this is not our first rodeo with consolidation loans) but if you persist, or you may just be able to succeed. Again,it's cliche but if you fall, pick yourself up again and get back into the fray. Don't let debt win. It's not worth living your life running to try and play catch-up. That modern thing you must believe feels that way for a very short time after you buy it, and that feeling goes away. And when it's gone the only solution is to buy more and more,but being debt free and being able to buy that cool thing without having to depart insane figuring out how you'll ever pay it off is way fucking better. Thank you all, again. You've fucking MADE my Christmas and modern Year. submitted by andsoitgoes42 to personalfinance[link][418 comments]
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