So I racked up a ton of credit card debt through college and grad school. I also paid for part of my wedding and honeymoon on credit. Now that I have my first real “career” job I’ve been focused on paying it off. I made a really tight budget and put everything I can on my cards. I’ve paid off one and my wife and I each have one left. We cut up the cards and no longer use them. I’ve been doing this now for 3 months and in 6 months I will be debt free!