Just looked up my credit score with Credit Karma and let me say that I am not impressed at all. 

I have over $3,000 in credit cards right now, on two separate cards. This may not seem like a lot, but it is too me. The problem that I have is that I have all of my cards saved in an app on my computer, so even if I shred the card, I still have the number. First step is to get rid of the app and the temptation. Next is to work on some payment plan. I used to use YNAB a while back, but I think I need to reinstall it and start using it.

Do you budget or have you recently gone debt free with credit cards? Let me know!