No credit card use for a year! (Only AMEX, which you pay off monthly). Paying off old credit cards with Consumer Credit Counseling Service, a terrific and highly recommended program. Took a financial literacy course, too. And saving.
A long way to go, but I am SO much more on the road than ever before in my life. Still areas where I know I’m shutting my eyes, but more light and clear-seeing in this formerly wholly dark corner thnan ever before. Yay! Amazing!