Two Years

...since Spencer last had a cigarette.  Cue the song.

Debt Free, Kind Of

A huge accomplishment this morning.  I finally paid off the credit card debt I accumulated during college and in the two years following. (Should have never gotten myself into this situation, but that's a different blog post) Had been chipping away at this for years now, handing over chunks of my paycheck, cringing at the interest payments. And wow, I can't believe I actually did it, without, I may add, ever missing a payment.

For some appreciation of this momentous occasion, consider that when I finally cut my credit card and threw it away my balance was up to $16,000.  It was an amount that kept me up at night, led me to call my mom crying out of hopelessness on a regular basis.  (I get a little teary thinking about how proud she would be of me right now) I used to dream about winning the lottery--just so I could get this off my back.  But alas, I've finally done it...all on my own.

Now on to student loans.