I Came Home From a 12-Hour Shift to a Maxed Card and a Mess—So I Cleaned Everything and Set the Boxes by the Door

per hour—several hundred extra each month to attack the debt faster.

I applied and got the job. With the promotion and overtime, I calculated I could be debt-free in eighteen months instead of three years.

I met with a credit counselor Carlos recommended. The older man looked at my payment history and said most people in my situation would have celebrated continue reading …