You are far from the only one, Josh. Congratulations on this effort! Like many other Sum180 users, you will be amazed at how much money you will save even in the short run by paying off your credit cards. Double and triple up on payments if you can. The key is also what happens next.: 1) go down to two credit cards and keep a zero balance every month; and 2) start socking the amounts you previously were using to pay the old cards in a separate savings account that totals 3-4 months of your monthly expenses. With that cushion, you’ll be able to avoid putting surprise expenses on credit cards in the future. Half the country keeps no balances on their credit cards so you can join that club from here on out.
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