Last year I had some major changes in my life. One of the most important was getting out of debt.

I remember when I received my tax return…… and lo and behold I took all of it and put it onto my line of credit, which suddenly was down to ZERO! It had taken me one year to turn this $-9,000 animal into a ZERO, but it finally happened.

I was so thrilled with myself. I kept on checking my online balance and seeing it at ZERO. I couldn’t wait to call my friend and tell her that finally, I was down to ZERO!