I’ve been reading a lot of personal finance books lately and I realized that, in many ways, I’ve gone about my own finances pretty haphazzardly. For example, I keep sending large chunks of money to my student loan and then using credit cards to buy clothes. Huh? In my reading, I kept hearing about paying off debt with the highest interest rate first - and that won’t be your student loan! So, I am excited to say that today I just wrote my last check to pay off my final credit card bill. Feels good!

My plan now is to only put on those cards what I am willing to pay off at the end of the month - or to use cash. Here’s to a better tomorrow!