Thanks, @curationkiwi.

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Thanks, @drotto.

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Thanks, @helpiecake.

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Awww.. sis... I know you are one of the wiser veteran stackers! It does take a lot of discipline especially if one is just starting to get out of revolving debt. The first few months can be a real hardship, and the thing to do is NOT buy anything at all using credit cards. I am lucky in the sense that it was all fluff and stuff that I previously used my credit cards for. So it was a matter of not buying clothes, shoes, and bags. They really should teach not just budgeting but the responsible use of credit cards as early as high school.... and better still, how to live within one's means and not getting into revolving debt.
The decisions you made, and what you are currently doing in paying off your home... WOW... those are major steps to financial freedom, sis! I also know that you have a passive income from a renter, just like me.  I think that if we continue on doing what we do, we will be in a better place in the future.
Have a beautiful week, my sweetest sis @kerrislravenhill. Take care 🥰🌺🤙 and a million Hugs and Kisses 🤗💕💋!!!! !tip

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Another jewel of wise money management!  
I was wallowing in a cycle of Boom and Bust.  When I worked, I had abundant income, and did 'fairly well' with that money, almost getting to where I could work the Debt Snowball towards paying off, with varying success.  Then a layoff.  My work was excessively far away. Average daily commute was ~100 MILES. (not kilometers!)  Every day, that is a lot of fuel and time. Plus wear and tear on vehicles and body.  
Long story short,  I fixed most of that.  Got a local job ($10 less on the hour🙃) my housing expense is minimal, no mortgage or rent.  Filed for my pension and that more than covers the hourly wages I sacrificed.  20% BONUS 🤩🤑👍 in fact,  my cash flow is up, and the pension is taxed LESS than the wages!  No car payments just maint. and insurance.  😳🙃😱😜😵😝😝😝  So I need to tackle this credit card thing, AND do the emergency fund like you ladies.  Oh,  I have started, but DOING is better than Trying!  Finishing is better than Starting 🤩 
I have a POSSIBLE closer job, starts at about what I am making now and goes up,  CLOSER, (under 5 km, 3 miles)  but I hate the hours, 12 hour swing shifts 😝😵😜🙃😝😝😝 Main thing that keeps me where I am is the 40 hours,  that's all I want.     Prolly stay where I am, it's just 9 miles 15km and I have good access to basically anything before or after work... OH, I am close to the shooting range (indoor😋) and I always could go blow off STEEM before work 💪😉🤙   Think I will stay...

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Much love to you too, my stacking sis, @saffisara 🤗❤️🤗. I hope that you will continue reading this series, and be able to pick up one or two tips about stacking from the wealth of knowledge and experience that has been shared by many successful stackers all over the world (and that is, if I can continue on doing it here on steemit 😅.)
Have a wonderful week ahead, and take care  🥰🌺🤙. !tip

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Exactly! I am glad that you agree, my bestie @silverd510! Watch me get flak for this article, hehehe.
Have a wonderful week ahead, bestie. Take care 🥰🌺🤙 and a ton of hugs 🤗🤗🤗 !tip

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I am happy that you like this article, @silvertop, and very glad that you think the content is wise. I know that not many will agree. For this reason, I was a bit reluctant to post this article. Thank for the resteem! I appreciate it, my friend.
Have a terrific week ahead, @silvertop, and take care 🥰🌺🤙 !tip

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Thanks, @steem-plus

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Thanks, @steemitboard.

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It is great to know that you are like me! Those are terrific plans, @tattoodjay! I know for a fact that many pay their homes outright. I recall in the past when I placed an offer for a house that I wanted to purchase, I was outbid by another woman who was ready to pay for the property with cash, outright! That impressed me so much! 
Also, you and I know that there are "regular hard-working" Americans who are quiet millionaires. They have no revolving debts, they have a savings account, they have their retirement accounts, they have a few stocks and bonds, they have a few equities, they have a few CD's, they own a home and a rental property, and a lot of cash and precious metals hoarded somewhere. Being a millionaire is not a fantastic notion or vain hope or a pipe dream. It is something that can be attained even by regular average wage earners in the US. Hehehe... I guess that is one of the true use of the phrase: "only in America"!
Have a beautiful week, my friend, @tattoodjay, and take care  🥰🌺🤙 !tip

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I think that it will be helpful to read reviews and experiences of others who have used CCC and similar outfits. They don't do the service for free, and the tasks they do are something that one can do themselves. I think that they take a certain percentage of your monthly payments as "fees", but I am not really sure about it.  I guess is one does not want to deal with because they are at a point that they are inundated by their debts, it may be worthwhile to use a third party like CCC.  You already know of course that as one pays down a credit card, their credit rating improves as well. Some say that the use of these consolidators resulted in a much worse credit rating for them. I guess it all depends on the circumstances and the amount of credit card debt exposure one has. The best thing is to call David and ask him, hahaha.  As I said in this article, I am not a financial advisor... I am just a plain Jane who is revolving-debt free 😅 (and I did not use a third party to do it for me).
Have a wonderful week ahead, my friend @underground! Take care 🥰🌺🤙

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Hahaha, just speaking from my personal experience and the heart of a fellow stacker who sincerely wants to share what has worked for me and others. Nothing new here... you've heard it all before, for sure. Just echoing and broadcasting the unsaid "secrets" of the successful stackers. I hope that you will continue to read this series. I always appreciate your encouragement and support, dude!
Hve a fantastic week ahead, and take care 🥰🌺🤙 !tip

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