thiagoricieri is getting ready to finish some things until end of the year
Discipline is the hardest part for me :P
How I did it: Today I officially payed of my student loan, and all my credit card balances are at zero! Aside from my loan I never really had major debt to begin with. I did not take out any credit cards in college, knowing what a slippery slope that could be. I actually did have bad credit for a time from identity theft, so I had a taste of how bad things are with a low credit score. Fortunately I was able to resolve the situation with a lawsuit and my good credit was restored. Having good credit has lots of perks like low interest rates, high spending limits, and no interest for a year offers.
Lessons & tips: You have to be responsible. Having a budget, keeping track of my spending, and balancing my checkbook are all habits I practice.
thiagoricieri is getting ready to finish some things until end of the year
Discipline is the hardest part for me :P