I Have $30,673 In Credit Card Debt. Here’s My Way Out…

I’m not exactly thrilled to share this, but over the last 6 years I went from being debt free to racking up $30,673 in credit card debt.

The craziest part?

I’ve been able to pay off several accounts including credit cards, 16 different Affirm loans, and a $6k personal loan over the last couple years so this wasn’t even peak debt.

That said, I want to share my plan to pay off all these accounts, because it’s been working well so far.

But first, let’s break down what we have to pay.

My Insane Credit Card Debt Breakdown

I’m not including the account names for privacy reasons, but everything you see below is up to date as of 4/1/25 which I update in a Google Sheet on the first of every month.

This is what we’re looking at right now:

The first thing you’ll notice is the fact that we have 20 accounts with balances, which has been absolutely crazy to manage but we’ve been making it work.

How I Got In So Much Debt In The First Place

Before I get into our very simple plan to pay off these cards, I wanted to briefly mention how I racked up so much debt which was a combination of…