Hello guys its been six months since i've blogged on this site WOW time flies. I'm very happy to report that I have paid off ALL of my credit card and outstanding debts listed on my side ticker. The only debts I am paying off now are my vehicles,personal expense loan and student loan debt. My journey isn't over yet but I feel like the hardest part is over. I haven't closed my credit accounts and do charge and pay them in full every month now. I'm doing this in preparation of buying my first home once my personal and auto loans are paid in full. Thanks guys for all your advice and i am looking forward to blogging my way through the rest of my journey.