<prompt> Human: New members, please read through the New User OrientationInstead of posting individual threads for triumphant stories of how youve reached a certain net worth, paid off a loan, or anything else that you want to brag about, lets consolidate everyones stories into one weekly thread!Make a top-level comment if you want to brag about something regarding your personal finances!For past Triumphant Thursday threads, please search the Weekly Archive  <response>: I have completely paid off all credit card debt! I have also totally switched mind sets on credit cards and budgeting. I put all spending on my cards for rewards, but now its only what Ive budgeted for. Thank you YNAB.Now instead of me paying the credit card companies, they pay me!Next up: student loans 