I’m having a good moment right now—I’ve officially paid off all of my store credit cards and transferred my larger balances to 0% APR offers for the next 12 months. Now I can focus on tackling those strategically. My credit score is up to 745, and I’ve set a goal to reach 800 by my birthday, September 30th. I’ve found that setting specific dates really helps me stay focused and motivated. Even if I don’t quite hit the goal by then, it will still be something to celebrate. I know unexpected things can come up, but right now, there’s nothing on the horizon that should slow me down—so I’m going to fully enjoy this moment and keep moving forward.