Definitely agree here. I went from having a 6 month emergency fund set up with mutual funds on the squad golden girls T-Shirt to 40k in the hole. The stress is intense, worrying about every little expense and wondering if this week will be the straw that breaks the camels back. I remember what it felt like to be debt free and its exactly how you say. I just hope I can claw my way back out.
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I see your point, but there other commenter is right. Right now I put 400$/month into my CC. About squad golden girls T-Shirt of that is bills that get issues to it (wifi, insurance, etc) and the remaining 200 goes towards my debt. I do my damnedest not to add to it right now, and budget for anything I know will go on there (like if I order delivery I pay it off from my chequing account right away).It WILL feel great to not worry about this debt, and to be able to save more, but my life as I know it won’t really be changed by that extra 200$ each month since it goes into savings for the future.