200K in debt to financial freedom 💳🤯

I had nearly $200,000 in credit card debt. After my credit got messed up and it took me a really long time to pay it all back. I literally put my credit cards in a drawer and I didn't use them at all. I switched to only using a debit card which meant that I could only spend money that I actually had. That was really hard for the first few months, but it got easier and eventually over time I slowly dug out of all that debt and you know what happened? Decades later, I still don't use credit car if you're going to keep using credit cards, that's okay. But it's important that you don't think of your credit cards as a bottomless well. Just because you have a high limit or available balance on your credit card doesn't mean you should make wild purchases. Here's a good rule of thumb. If you can't afford to pay it off within the next billing cycle, then don't put it on your credit card.