We just switched to our second 12-month 0-interest no-transfer-free card, since the 12 months on the first one had gone by. But the good news is that we pay the minimum balance on that every month and we don’t add to it.

And the other credit card, the one we actually use, is getting better too. Since we haven’t been paying day care anymore, we’ve been able to pay more than we charge each month, so the balance is going down. My Christmas bonus at work will pay for Christmas and a bit more, so that’ll help the balance too. And my salary increases 1/1, so we should be able to throw a little more at it each month.

I can’t wait until I’m able to say this is done!