<prompt> Human: If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance discussions, questions, and sharing your success stories:1. Make a top-level comment if you want to share something positive regarding your personal finances! Instead of posting individual threads for positive success stories of how youve funded your emergency fund, made progress on your debt, saved for a future goal, reached a certain net worth, or anything else you would like to share, lets consolidate everyones stories into one weekly thread!2. Please make a top-level comment if you want to ask a question! Also, please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past threads, please search the Weekly Archive  <response>: about a year ago, i was in the following situation.payments then: 10K cc 5K cc 5K cc 5k cc car payment: 20kNow, im proud to say I am in the following situation: 1 remaining card at 2.5K car payment: 17Kits been such a stressful and painful time in my life just to work down these payments. when I think back to what was i thinking when I made so many purchases, i just see myself burning through money just because I had credit. today, i hardly have nothing to show for it except a car. that alone lets me know how much money was being wasted. none of it was an investment. none of it brought me any benefit because theres nothing to show for it. im super grateful to personal finance because its taught me a lot about money and on how to use it properly. 