This year has been a year of many changes for me. My recent marriage, my car accident, seeing my mother again and paying off all of my credit cards. It feels so good to have no credit card debt. I started charging here and there in my early 20s and I would only pay the minimum payments. And through the years of charging and paying the minimum sure took its toll on the credit cards. I finally got a hold of myself a couple of years ago and finally made it an effort to put my extra money towards those credit cards. I am so proud. I will never carelessly charge on my credit cards again. Now, the only time I use it is when I know I actally have the money to pay the card. Don't get me wrong, I never was late on my cards, I just charged like I had the money. i will never, ever do this again. This is a great lesson learned.