<prompt> Human: On this day last year I sat down with my brother a CPA and created a plan to pay off my 4,000 credit card balance at 17.99 interest. I literally just made my last payment and am now 100 credit card debt free!Background: I was stuck in a vicious cycle of paying for things with cash, and then once my cash ran out, I used my credit card for whatever else I wanted. Then Id get paid, would make a huge credit card payment and then Id spend the little cash I had, which would then force me to turn to my credit card. Lather, rinse, repeat.How I did it? The best advice I ever heard was that youll never have enough money if you dont live within your means. So thats what I did. I cut way back on going out with friends to drink my biggest expense, and going out to eat. I also cut way back on shopping for fun when I was bored and adjusted my grocery shopping so I wasted a lot less food and thus spent less on food.But heres the twist: I was in two weddings this year, and was a maid of honor in one of them. I paid for an entire bridal shower, a bachelorette party including roundtrip airfare, two bridesmaids dresses, and two wedding gifts and paid for it all with cash.Just wanted to give a shout out to myself and to let others out there know that if you really want to reach a goal, its entirely possible!EDIT: Thanks to everybody for the congratulations and for sharing your stories. Ive had a lot of people tell me that paying off their credit cards is their goal too. My advice would be to 1 create a structured plan and 2 make sure you can stick to that plan. My monthly credit card payment was 361, which I could afford. Anything higher and I wouldnt have been able to stick with it. It also helped for me to have a physical representation of the goal. I had an excel sheet with my entire year of payments written on it. Every month I would take it out and cross out a month. Having a visual representation of my goal helped me stay on track. Lots of luck everyone!  <response>: Hell to the fuck yeah! 