/rษ™หˆflekSH(ษ™)n/ (noun): a thought, idea, or opinion formed or a remark made as a result of meditation

Tuesday, April 13, 2021

2. How I Got Out of CREDIT CARD DEBT!

I used to be a credit card collector! I not only collected them BUT I used them to the MAX! Throughout the years I had fun buying all kinds of STUFF on credit. I had 16 - 18 credit cards PLUS a car note to pay which wasn’t cute!

With time and age, I eventually came to my senses and began seeking the best way FOR ME to get out of debt.

I used the DAVE RAMSEY Debt Snowball Method:
  • List ALL credit cards from lowest to highest
  • Pay off LOWEST cards first, to get instant gratification when you see them dwindling down
  • Keep paying the next lowest card in line 
  • Continue paying only the MINIMUM PAYMENTS on the other cards regardless of the interest 
  • As you begin to see progress, DON'T SPEND that extra money you'll have. Roll it into the next lowest card
  • This doesn't include regular household bills such as House Note, Water, Gas, Electric, etc.
This Debt Snowball Method Works even though it doesn't seem logical.
I was THOUSANDS of Dollars in debt. It took me 14 months to completely pay off All my credit cards AND my car!  
I feel FREE! I continue to do the HAPPY DANCE each month when I only have to pay regular household bills.
I now use 1 cash back credit card to pay ALL bills and to shop with. I always pay it in full each month.
I hope this helps somebody!

Please check out myYouTube Video on this subject: https://youtu.be/oTxUWMQg2kE

Talk To You Later, 


  1. That is great info, thanks again for sharing!! ๐Ÿค—๐Ÿ’ž

  2. Hi Mrs. B., this does help as I'm a credit card collector.


    1. My pleasure, my goal is to help as many people possible ❤️

  3. Just want to say how much I love your videos on using the air fryer steaks chicken french fries ribs and more thank you very much God bless this has been a big help to me and please continue with your videos love you and keep up the good work

  4. Hi Wesley, I really appreciate you stopping by and checking out my blog AND commenting. ❤️

  5. I use that method as well. It's been working great. I'm glad you're sharing this, people need to know. ๐Ÿ’œ

    1. This METHOD works! Thanks for commenting. I wish I knew who you are๐ŸŒบ

  6. Such amazing advice. Debt is no joke.....I'm currently working on my situation. It does feel good seeing progress while using the snowball method you discuss.

    1. Yesss! To be out of debt feels GREAT ๐Ÿ’•

  7. I am just starting out on this path and I can't wait to be at the finish line! Thank you for the timely reminder and the inspiration! We'll be celebrating together! ��

  8. Yesss! I absolutely love paying the few regular bills I have now. Thanks for commenting and I wish you great success on your journey ๐Ÿ’œ


Thank you for reading my blog & taking time to comment!