<prompt> Human: Ive seen so many thank-you threads, but never thought Id get the opportunity to write my own.This time last year, I began paying down 6,000 of credit card debt Id accumulated in my college years. Add that to 45,000 in student loans and a 13,000 car loan ... I felt like I was drowning.I supplemented my salaried job with another 20 hours of remote work as a contractor, and started putting 500 a month into my credit card. I stopped using it. Things have stalled out when the remote work dried up, but tomorrow Im selling my car. Due to fantastic negotiation on my part yes, a pat on the back for me!, I paid much less EDIT: I paid less than what the dealership wanted, Im so sorry for the confusion! when I bought it new, and will be getting about 4,000 above what I owe now ... effectively enough to pay off the remaining balance on my credit card and then put away fro ma true emergency fund.While this doesnt leave me entirely debt free, I can deal with my student loan payments just fine. I am SO excited to be able to finally say that! And a giant thank you to all of you, it certainly paid to lurk and absorb all of your advice!Cheers, rpersonalfinance!  <response>: Glad to hear it. I am in a similar situation nearly drowning in debt but I feel like my lurking in the constant useful advice is giving me the motivation to keep sticking with my plan to financial freedom. Going to be some time yet before I get my emergency fund started though. 