The first thing I have learned is to either freeze my credit card or cut them up. Something else I learned is not to pay the minumum. PAY MORE!!ALWAYS!!You end up paying double if not triple your original purchase price. I now understand. I mean why should I give the credit card companies more and more of my money? I have a family I am responsible for. They need the money.It makes sense when I read what I am typing and I have heard it before but I don’t think I clearly understood.
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Yes, a lot of people need to cut up their cards or hide them away deep at the back of a drawer.
I like the debt reduction ticker BTW! Keep on keeping on!