Last year I’d paid off my cards but my mom asked for my tuition money to pay the mortgage so I put my tuition on my card and I should’ve just cut it up and paid it but I used it. Now I’m pretty much maxed out on both cards I have and I’ve never been maxed out before. I recieved a phone call from my credit card company that I was $100 over my limit and b/c this is the first time this has ever happened they set me up to have the minumum debited out of my account. I realize this is a much easier way for me to keep up plus I can still put extra on my cards. I owe a lot on my cards right now but being diligent I can pay off my cards in 3 years. I also will set up a plan to pay off my student loans in less that a decade. I would love to say two but if I place goals far off I work harder to complete them before my personal deadline. Wish me luck.