This year my husband and I found ourselves in over $14,000 in credit card debt! Yeah that’s a lot! And what do we have to show for it? NOTHING! I look around at all the expensive nice things I have and none of them were purchased on credit…so how did we get into this much debt? Because we are lazy and instead of spending cash on things we want, we would just put it on the credit card to worry about it later, and then we still have cash in our pocket. How stupid were we? Well all of this has changed. In January we sat down and figured out how much we are paying towards our debt, and how much we could be paying and we realized that it was time to get it under control. We have good credit so we were able to get a personal loan to consolidate everything into one bill. We took out the loan for 3 years, but so far we have already paid down 1/3 of the loan and we have nocked off a whole year of payments. I am so proud of ourselves already! I decided to put this on my list of goals so that I don’t lose sight of the end result that we hope to achieve which is get out of credit card debt for good!