6 things that make me smile

1. Looking at my credit card statement and seeing a $0.00 balance.

2. Knowing I only have three more months before my credit cards are paid off.

3. Having the power to close my credit card account when my credit card company will not lower my interest rate.

4. Not needing to use my credit card when unexpected expenses pop up because I have an emergency fund.

5. Watching my credit score rise as my debt lowers.

6. Knowing I'm on my way to financial freedom!