Awww.. sis... I know you are one of the wiser veteran stackers! It does take a lot of discipline especially if one is just starting to get out of revolving debt. The first few months can be a real hardship, and the thing to do is NOT buy anything at all using credit cards. I am lucky in the sense that it was all fluff and stuff that I previously used my credit cards for. So it was a matter of not buying clothes, shoes, and bags. They really should teach not just budgeting but the responsible use of credit cards as early as high school.... and better still, how to live within one's means and not getting into revolving debt.
The decisions you made, and what you are currently doing in paying off your home... WOW... those are major steps to financial freedom, sis! I also know that you have a passive income from a renter, just like me. I think that if we continue on doing what we do, we will be in a better place in the future.
Have a beautiful week, my sweetest sis @kerrislravenhill. Take care 🥰🌺🤙 and a million Hugs and Kisses 🤗💕💋!!!! !tip