<prompt> Human: This is an update to my previous thread from about 7 months ago No one asked for it, and its possible no one wants it, but what the hell, youre getting it anyway. I hope someone enjoys reading good news for a change.Im in a reflecting kind of mood, because one year ago I changed banks. I left US Bank, where Id always struggled with living paycheck-to-paycheck, and moved to Simple bank. Simple has been nothing short of incredible for helping me change my saving and spending habits, and making sure that Im on a healthy path towards financial freedom. As of this writing, I have 42 goals, ranging from my monthly expenses to next years Mothers Day gift. Its really amazing how easy it has made setting aside money for the important things in my life--seven cents a day will add up to a nice 25 gift for my mom next year.Based on the advice from my original thread, I of course did not touch my 401k. The market hasnt been great to it in the past few months, but my balance in the seven months since my post has grown by about 5k. At my salary, thats pretty significant.More significant, though, is that in the past seven months, Ive paid off 5k 7k with interest of the initial 18k balance on my CC--over 75 of those payments going to principal. I still have a long way to go, but I can feel the positive momentum. In the 10 months since I froze my credit card, I have only been remotely tempted to thaw it once, and that temptation quickly passed. I have a spreadsheet made up that calculates my approximate monthly interest, deducts my monthly payment, and estimates the next months balance, giving me a long-view estimation of when I will be completely free of my CC debt assuming current conditions, 3 years worst-case, and as little as 1-2 years depending upon giftbonus windfalls. At this point, my monthly payments are about 70 principal and rising.The only area Im not completely satisfied right now is my savings. Because Ive been prioritizing my CC debt, my savings account has not grown by leaps and bounds--though it was up to about 1500 not long ago. However, some car repairs 400 expected, followed by about 500 unexpected have put a significant dent in it. But for the first time in my life, Im able to make those kinds of payments without leaning on my CC as a crutch. I dont need to pay for the repairs on my CC, and I dont need to start buying my groceries on credit until my next paycheck. Ive got things covered with a little breathing room.The end result is that my net worth is up and steadily crawling out of the pit I dug for it. I finally find myself with financial dreams that dont involve escapism. I have a lot of budgeting and saving left to do, but I feel a lot more confident about my ability to make it happen.Depending on the communitys interest, I may occasionally check back to update on my progress, but this first year with Simple has really been significant for me. I hope you enjoyed, and if you have any questions or pieces of advice, Im happy to answerreceive them.tl;dr: I followed rpersonalfinances advice and everythings coming up Milhouse.  <response>: Depending on the communitys interest, I may occasionally check back to update on my progress, ...I cant wait for your post complaining about having too much money, and not knowing what to do with all of it. Keep us posted! : Feel free to also join our Thursday threads if you want to shamelessly brag.In other news, great job so far getting your finances together. Id be willing to bet its improved your sleep. Stick with it and youll be paying yourself interest soon! 