<prompt> Human: And after following PF for a month, enough of the posts finally got through to me and I went ahead and put my paycheck towards it tonight. For the first time in 7 years I owe nothing on it. I make enough to always have it paid off, I am just stupid and you guys made me want to stop living in debt. So thanks. Assistant: Next step: open a savings account and put enough in it to pay all your monthly bills for six months.This is an emergency fund. Its boring, and takes too long, and there is literally no fun in the process.And the first time you need it, you will thank your lucky stars you did it, and it will click for you, and youll get it.Human: Good idea I could have used this many times in the past. I seem to always live just on the other side of my means. So I feel like I could take all the fun money and save it. I have cut back on fun stuff lately anyways so it will be slightly easier for me.  <response>: Look at it this way, every dollar you paid in credit card interest was one less dollar you had to spend on something fun. Now youre using your money much more efficiently 