Step 0, done

Thanks to my NC and federal tax returns, I am now current on all credit cards and ready to “snowflake” my way to a starter emergency fund (with the help of my IN tax return and the economic stimulus check, yes).

In the process, I paid off what remained of my tax debt from last year with no additional money out of pocket.

Lingering headache aside, today is starting off very well. Windfalls are nice. Paying well over $900 toward my high-interest debts in a month is nice, too.

Now I just need to get those interest rates lowered with some phone calls during lunch.