As of today, March 3, 2011, we have paid off all credit card debt and closed the accounts. We are free from credit card debt, and the feeling of freedom is still sinking in. It has been so long, almost a decade, of oppressive credit card debt and interest. Never again.
You do not need credit cards. A debit card can do anything a credit card can. You can save up money in an emergency fund and have a debit card associated with that account for emergencies.
And now, to unleash all the money that went to credit card payments onto the student loan. There's no way I'm going to volunteer interest payments to the government!
This is all still just sinking in, but it still feels incredible!