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Hey, I'm pretty new to this stuff, but I wouldn't cancel that card with the high balance it'd really mess with your debt ratio. If you do a balance transfer, try not to max out that card, and I'd hang onto the other one even after it's paid off.

Yeah, definitely I'm doing a no spend year, so it's made me way more aware and careful with my money. Honestly, it's been great; I've managed to stash away almost $3,500 since January.

Hey, just a heads up you really should stop using Credit Karma. This is honestly one of the biggest slip ups folks tend to make. See, the credit bureaus don’t just drop negative accounts because time went by. They take them off based on the date you first fell behind that’s what starts the...

You should check out Google Infinity Group Australia. They also have some podcasts you can watch. They're really helpful when it comes to using your money wisely they focus on rapid debt reduction, wealth creation, investing, and that kind of thing.

Ha,my "refund " will go to my IRS debt ‍♀️, can't wait till that's paid off

Last year was a bit of a rollercoaster with car issues and pets. This card got maxed out on January 1st. I was really hoping to have it paid off this month, but since overtime got cut in half, it might take another month. Time to keep my head down and resist the urge to splurge on shiny new stuff.