I've been slowly gathering up my 2019 financials so I can get around to my taxes in a week or two. I'm in no hurry, because I am not anxious to see if my effective tax rate has gone up again. One thing I noticed just this evening is that I've gone from spending hundreds each year in credit card interest charges... to spending nothing in 2019.

That's a first.

And a far cry from 2015 where I averaged paying $45 in fees per month and getting nothing in return.

Money is expensive, y'all.

Turns out that paying off my credit cards and then working hard to keep them paid off month-to-month was worth the rather painful lifestyle changes it took to get here.

No idea where all the money I saved in credit card interest has gone... probably to my mortgage... but so long as it's going towards something instead of nothing, I'm happy.

I'd be a lot happier if I had that money in cash so I could roll around in it... but still...