Zero Is a Happy Number

I have an abscessed tooth and did not sleep more than 3 hours last night, but I feel great.
No, I did not stay at a Holiday Inn Express last night or save 30% by switching to Geico(I am very satisfied with Progressive BTW). Yesterday I finished something that has taken me years — I paid off all of my credit card debt. I would like to share a more complete story, but for now I will boil it down to a few points:

1) I went to college and spent money I did not have – DON’T DO THIS
2) I realized that I needed to pay it back – DO THIS
3) I payed the minimum payment for a long time because it was what I had – Only do this if you have to, but DON’T DO THIS
4) I payed over the minimum payment to reduce the debt – DO THIS
5) I transferred the balance to another CC with 0% interest – DO THIS only if you are serious, read carefully, don’t spend any more money you don’t have
6) I paid it off. DO THIS

Not a very interesting story, but the basics are there. Thank you Carol, the Fogler Family, Dave Ramsey, and all my friends who have shared thoughts and ideas along the way. Praise the Lord!!

Now about those student loans… Please pray / send me checks.