Sure - let me just say this board helped me tremendously. First off I changed my thinking about money and spending. I created a budget and 'spent' all the money before the check even came, meaning I'd have bill pay set up to send money off to either bills, savings, etc. Every single thing in my life is budgeted for. I refuse to loosen up until I am done. I of course stopped using credit at all, and started with the snowball method (although I didn't know it was called that, I just did it how it made sense to me). Instead of trying to pay off the biggest card, I decided I would work in the opposite way, starting with the lowest balance, just to get rid of the card and give me motivation. I was able to use my tax return and pay off 4 cards at once. I got a second job, which brings me $1k extra a month. I started throwing money at my debt, and honestly would've been done with it by now, except I have been out of work for 3 months due to carpal tunnel surgery. I am actually returning to both jobs tomorrow, and may be able to get rid of my last cc this month (I have 2 cards left, one is being paid off this Thursday). I don't have any special advice, except that getting rid of a bill made me feel so good I wanted to keep going. Plus, when you have less bills coming in the mail, it's easy to throw more money at other debt. I once had 14 credit cards, had 10 at the beginning of this year. It does work.
