In which I gain levels in Adult, Responsible and Financial Independence

…and then ruin them by relating them to Dungeons and Dragons.

Folks, as of today, technically, and definitely as of Saturday when the payment will officially go through, I have no credit card debt. This has not been true at any point since I was in college– probably since my freshman year, in fact. Said credit card debt was at one point north of thirty thousand dollars and it is now gone. Now, I’m not free of debt itself by any means– there is a mortgage, and a car loan, and my student loans, and another installment loan at a very low APR that I used to make a large chunk of that credit card debt not credit card debt any more. But this is still a Goddamn milestone; I don’t owe any money to actual credit cards any longer, and every debt I have is on an installment plan where I can point at a date on a calendar and say “This is when that will be repaid.”

Except not really, because now that I’ve got the money I’ve been using to aggressively pay down credit card debt back in my pocket, I’m going to start working on the car. I think I can actually afford to make my car payment twice a month now and still come out ahead from what I was putting into credit cards. That’ll have that paid off in a little over a year, I think. After that, assuming I don’t lose my job or have some other shit life event, things are going to seriously change. I will be moving into Actual Discretionary Income territory, which … well, I know it probably seems like I already spend money whenever I want to, and yes, I’m saving up for a criminally expensive lightsaber as a Paid Off My Credit Cards award, but … this is still a big Goddamned deal, y’all.

I just gotta remember to spend the rest of my life not being stupid now.

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Luther M. Siler

The author of SKYLIGHTS, THE BENEVOLENCE ARCHIVES and several other books.

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