<prompt> Human: New members, please read through the New User Orientation.This a continuation of Triumphant Thursday. Instead of posting individual threads for triumphant stories of how youve reached a certain net worth, paid off a loan, or other sort of bragging, lets consolidate them 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 am so excited today. My SO and I have paid off 30,000 of CC debt this year. We have 5000 left which I was just as of yesterday able to transfer to a line of credit with a 2.99 fixed rate for the 12 month term to pay it off so much weight off my shoulders now and it feels like I can finally see the end of the tunnel. Lessons learned to never ever carry a balance on a credit card - lifes too short to be borrowing at 20 from your future self. Now to build a 3 month emergency fund 