Well written article. Great turnaround story, But I would like to just point out one thing. You said after you paid off the Credit cards you would cancel them. Canceling credit cards after they are paid off actually hurts your debt to credit ratio. For example if you canceled a MasterCard with a limit of lets say $10,000 your overall credit available will also lower by that $10,000 amount. So with the credit card being paid off , yes your debt will be lowered by that amount but also your available credit overall will lower by canceling that same card.