Debt update: only $14, 644 left in the dent!! Paid off $23,000 in 8 months.

As the time I am writing, I have $14,644 in debt. Comparing to $38,000 in this April, it is a great progress.

For the lessons I learnt along the way, I can say as follows:

1. Cut up the credit card and promise never crank up any more debt
2. Sell stuff. This reboots the spending system. I sold my luxury lv handbags and anything valuable in the house.
3. Make a budget. Use envelope system. If anyone is interested in envelope system, I will write a post about it. If the budget is done, the spending is done.
4. Spend cash on anything possible. Cash spending activates the pain center of the brain. So you automatically spend less.
5. Work the ass off!!!!!!
6. Squeeze every dollar that is not spent into debt.

And, that's how I paid off $23,000 in 8 months....And those habits are lifetime keepers.