And that, is the end of that

What my credit card looks like, as of a few days ago:

Current balance: £0.36

I won't even tell you what it was a year or so ago. All I will say is that the interest payments alone at one point were pushing £250 a month, which is a non-trivial amount of money for anyone that isn't Scrooge McDuck swimming in piles of cash.

This is absolutely not some woe-is-me story, because obviously, I was a fucking idiot who made some very poor financial decisions (the cash furnace of a car only accounting for some of the debt) and I don't blame anyone but myself.

Still. Not to get too personal here, but all of my late teens and my 20s were spent not so much in a bad financial position as in no financial position at all. I got my shit together far too late, and when one does get one's shit together one starts getting credit card offers.

When you are feeling financially stable for the first time in your life, those offers look all too tempting because woohoo, I can have even more money right now and I can build my credit score and such! And of course you will pay back the whole amount at the end of the month, right? Until you start thinking that just for this month you will make that small minimum payment instead, and then they start upping your credit limit (mine increased twentyfold from when I started)...and if you do that enough times you end up with a substantial portion of your income being dead weight.

So it goes. I was an idiot! But I also learned in the last few months that even when I'm throwing a substantial amount of my income into paying off the capital on that credit card, that I can still be quite comfortable and even have a little money left at the end of the month, if I behave frugally. Which is to say, if Mazda Amy doesn't throw any new and hilariously expensive curveballs at me I might have some hope of building some savings and shit or I might forget what I just said and buy lots of car parts.

Whatever happens there: it's over, and I am much happier for it.