5 years ago-ish; laid off; foreclosed; job making 45% less; horrible situation
2013; making more than i did in 2008; paid off 2 cars, sold the motorcycle; paid of 3 cards; just paid 1/2 of the remaining balance of 1 card; paying the next 1/2 here in a few weeks;. paid off another card in full last month.
2 cards to go that are interest and penalty fee because we got on a payment plan. should be 'done' by summer next year. and not have any debt.
haven't used a card since 2008. aside from buying something online, then immediately going to my card site and paying it off/crediting it etc.
Life is 99% inspiration, 1% Perspiration, and 1% Attention to Detial.