Where does the time go? A month has flew by yet again but the good news is we are still chipping away at the mountain of debt.

We decided to take advantage of a great 0% balance transfer offer from one of our cards that had a $0 balance on it. CC#2 & CC#6 are now transferred to CC#9. The promotional rate is good until February 2018 which I plan to have this card paid off by then.

We've managed to pay off CC#5 in April and I had some business expense reimbursements from earlier in the month that I paid off on CC#3.

We started this journey exactly 4 months ago to the date (12/21/16), with 40,714.15 in debt and now we are at $31,006. That's almost 10K paid off in 4 months, whoa! To be fair our annual household income is in the six figures but we have cut down our expenses over the last 18 months and learned to live on less which has helped accelerate the debt pay down. It's not only about changing your habits, but also changing your mindset. Once you change your mindset about finances, the rest is a walk in the park.

DS has been working since December part-time and through what we've learned we have been teaching him about budgeting and managing his money. He has saved 90% of his paychecks and is 66% of the way towards his goal for a car. I could not be more proud.