Paying off credit card debts as soon as possible was my new year resolution when my credit card debts dropped to $14,911. But then in May, I decided to shorten my journey to becoming debt free in 3 to 5 years.
Let’s face it - the journey to becoming debt free is filled with obstacles, challenges, and disappointments.
I was supposed to blog about my latest credit card debts a few weeks ago, but had to put it off. The main reason was that my uncle was diagnosed with stomach cancer recently. …

As a DIY working mom, I made up my mind to remove negative items on my own. Initially, I did think of letting the credit repair clinics and attorneys delete negative items off my credit reports. But I had to brush away the idea after facing the fact that I am still $13,942 in credit card debt and credit repair agencies charge hundreds or even thousands of dollars to repair my bad credit.
It’s definitely worth it to pay up to $3,500 for repaired credit but the fact is that …