[MTK]

When I was in my early to mid twenties I'll admit I racked up some credit card debt. I think everyone goes through that to some degree. But once I finally wised up I put my cards away and paid as much as I possibly could every month until they were all zeroed out.

It took me about 2 years to pay everything off but man I was damn proud of myself when I made that final payment. Now I only charge what I can pay off right away. I think it just takes a certain maturity level and a basic understanding AND acceptance that you can't have everything you want, when you want it.

Now I find that paying for something that I saved up for with cash is far more satisfying.