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The extension was one of several initiatives that I didn't take advantage of this past year. We stuck with the original timelines/terms...

Makes sense. Long ago, DH & I used to pay our credit card bills just before the due date, so the money would stay in our accounts earning interest longer. Now interest rates are too low to bother with that. I like to keep things very simple, so I pay all cc's every month on the same day, even though they have different due dates, and I pay quarterly estimated taxes on:
April 1
June 1
Sept 1
Dec 1
even though they're not due until the 15th, 4th quarter isn't due until the following January, and recently several deadlines have been extended.

It is six months to the day since finishing off the debt. I'm popping in to report that we are still out of debt!...
We still feel and live "poor" but it is an entirely different poor when you aren't choked by debt, depressed, agitated...


Congratulations! I admire your "laser focus," your aggression, your steadfastness even through the pandemic. I'm happy for you that you're now enjoying the results.
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