Sherrie Muldoon : `` When we mailed that last check ... I just burst out into tears '' How did they pay off $ 46,244 in less than four years ? A government report shows the tumble in consumer credit was caused by a sharp decline in credit card use . Drastic lifestyle changes . John Key : " Even party was on the cheap ; she served ham from a couple of pigs she raised .
Sherrie Muldoon : `` When we mailed that last check ... I just burst out into tears '' How did they pay off $ 46,244 in less than four years ? Drastic lifestyle changes . John Key : " Even party was on the cheap ; she served ham from a couple of pigs she raised .