I just got my Credit Card last September when we bought a house. I actually applied for 2 and got approved for both. Now I am tired of Credit Card Debt because I literally maxed out my highest one $5000 ($4500 owed)but I harldy keep a balance on my smallest one with Capital One($300 limit). I usually don't go past $30. So I'm starting today on reducing credit card debt. I am going to take Dave Ramsey advise and start with the smallest debt. I currently owe $255 on Capital One and was going to pay it off this Friday before the due date but this time I am choosing not to use it again. I usually pay it off ever month but end up using it again so I consider it debt. So this week I will be erasing this debt. I decided to make a conscious decision and cut it up! I feel so free. Look at my lovely picture. This will also help me stay on track with my 52 week savings plan. I am now up to week 10. Yay me! I'll post pics later. LOL. It's all about whatever keeps me motivated!