<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>: This one goes out to all you PFers who have shared their experiences and knowledge but also any PFers who may feel they dont have hope. Im a long time lurker to this sub. For 10 years I carried a CC balance of over 10k just making minimum to slightly over minimum never seeing the balance go down. This weighed heavily on me to say the least, year after year. Many sleepless nights. I imagined that I would never be able to pay this off and couldnt believe what a mistake I had made. Like many of you I had no idea how to manage a CC 10 years ago. With that, thankfully though I never missed a payment. I would dream of the day that I would pay this card off and get rid of it forever and start a clean slate in personal finance. Well this morning I awoke to see a balance of 0! For the last year I have used this sub and your advicetipsstories to mainly motivate me, discipline me, and give me hope. I thought about not posting this today but saying thank you is the least I could do. Anyone struggling with CC debt like I did for 10 years dont give up! Theres hope. Here are a few tips that have worked for me. I set up an auto-payment twice a month on this CC. I started with a low amount but a few times increased that auto-payment amount. For many months i forced myself to be broke or only have a small amount for discretionary spending. This made a big impact on actually putting a dent on my balance. I now only use an Amex card for my personal expenses. Ive had it for 4 years and has disciplined me to live within my means and pay off each month. Amex also has a great user interface with tagging capabilities that allows me to see where my money goes each month. I use this feature now to stay within strict parameters to stay on budget each month. Any work bonuses or raises I would put mostly into my CC debt. Although difficult to discipline yourself to do, this would take bigger chunks off the balance here and there. Speaking of raises, its important to understand your value in the workforce. Dont be afraid to move jobs to get those larger raises. I know its mentioned here often and it is true at least for my experience. For many years I was complacent at work. In the last 4 years Ive changed jobs 3 times and now make double of what I was making 4 years ago. This was obviously key in accelerating tackling my debt and building my savings. I never imagined I would be here. It just took me to jump without looking back. I used the Prism app for monitoring my finances now. This has been a huge help and kept me motivated seeing the graph of my CC balance going on a decline each month. I also have used Betterment for 3 years to build up several savings goals, including an emergency fund and an IRA account. The key with this app is the auto-deposit each month. It just happens without me doing anything. I just check on it here and there and stay motivated! I know some of you dont recommend Betterment due to the fees but for someone like me who didnt know much about saving and investing it has certainly paid off. I would recommend it for any beginners out there.Again thank you all! I couldnt have stayed on track without your help! 