My story started in 2020 when Covid was at an all-time high and I was feeling low. We were working from home; my daughter was being home schooled along with the majority of the world and I was becoming depressed. The walls were closing in and I needed to make a change.
I got a part-time job at Lowe's and decided that I was going to pay off my credit card debt. I wrote down all of my balances, researched the best budgeting method and decided to do the avalanche method.
Each check I received I rounded to the nearest dollar and paid that amount to my highest credit card balance. I continued doing this for 8 months and in the end my debt was paid off by simply working a second job to earn extra money and NOT doing debt consolidation. It was the best decision I ever made.
Today, three and a half years later I am still credit card debt-free!
Submitted by Patty Cook, Office of Payroll
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