Nor do I regret what I did. I had a really hard time having $1000.00 earning 1% interest in my savings account while the CC's ate up 13+%. I know I'm really lucky that no big emergency ever hit, but I was also never maxed out on my cards. I always had sufficient credit, way more than $1000, available on my CC's should I have needed it. Yes, I kicked myself every time the car broke down, or Christmas rolled around (like this year
) or when we had an unexpected appliance break down. But I just put it on the card, sucked it up, and kept going.
And hey...now my debt is gone. The struggle right now is to not accrue any through Christmas. If I do, I do. I know it will be paid in January because I'm expecting a $1000 reimbursement check form DH's work. It's more of a pride thing. Having just freshly paid everything off, I really don't want to have to bend and use the card this one last time. I'd far rather get to put the reimbursement money in my savings account and let it sit there for a change!
Again, it's back to patience.