Got my credit card balance down to 1200 bucks. It's always hardest to keep paying it off and not use it when the balance gets lower, so I gave it to my mom and told her to hide it.
My reward for paying off the balance will be a Netflix subscription, which I've wanted for a while. Then, I will use it only for the things that are charged automatically every month, which will add up to a low balance to pay in full every month.
Then, I can use some of the money that I've been pouring into the card to put into savings or chip away at the student loans.
See, I have a PLAN.
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