My husband and I have no credit card debt, but it wasn’t always that way. In fact, when we first started dating, he had around $3,500 in credit card debt and I had about $1,100 in credit card debt. Within a year of our relationship, my credit card debt was at $4,400. We took 9 trips our first year of dating and we would book everything on my credit card, he would give me half…and I would spend it on other items. Oh to be young, in love and not have a care in the world about money!
It was actually ridiculously easy to pay off our credit cards. All it took was a little bit of budgeting. When you’re young, making good money and have basically zero responsibilities (no kids, no mortgage, etc), it’s easy to cut back on vacations, trips to the bar and shopping. Man, looking back, I sure was living the life haha! If I remember correctly, we paid off our credit card debt in about 5 months.