With a lot of effort, I finally feel pretty good about my spending and overall finances. I have cut my credit card debt on three “regular” cards and four “store” cards in half this year. Four cards are totally paid off, and the other three about half of their respective limits. How do I know all this?
!Thanks to a recommendation from Dave, I signed up in December and couldn’t be happier. I did the opposite of what most sites and people suggest, in that I stopped using cash almost completely. I don’t usually charge purchases, but using Mint allowed me to see where all my spending on my Debit Card was happening.

I’m so motivated that I only bought two shirts at the awesome sale over at Threadless. (All tees are only $9 plus shipping!) .