One thing that I wish I had done is gotten my credit score when I started the Year of Frugal Living. Then I could have seen how much it improved over the year. One time I signed up for this free trial on Fico.com that emailed you any time your score went up or down and it was really cool. I'd actually really like to try that again.
If you don't want to pay for your Fico score, you can use a score calculator that will give you the range your score is in. For me, this was sort of motivational because I did it a few times with different debt to available credit ratios, and saw what a big difference it made.
Right now a few years to being credit card debt-free (my student loans are a whole other story) seems like a long time, but seing as I'm only 30, in the grand scheme of things its nothing. Even if it takes 5 years, my kids will still be in elementary school. That's really exciting!
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