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$2,000 in credit card debt can feel like the end of the world. It isn't.

In my 20s, I found myself in $2,000 of credit card debt. It took planning and patience, but now I'm debt-free.

$2,000 in credit card debt can feel like the end of the world. It isn't.
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In 2013, I left a job when I had little in my savings account to carry me over.

It was the right move. I knew that. But the timing? Well, that wasn't ideal. I threw myself into the job hunt and tried to make my minimal savings last as long as possible.

One and a half months later, and I hadn’t found another job. Things were looking bleak. And, bam, just like that it was time to pay the rent again. In NYC. And even with roommates and a dingy apartment, that’s no small feat.


I had interviews lined up that looked hopeful, so I decided to buy myself some time. I turned to my credit card.

Before I knew it, I had almost $2,000 in credit card debt.

You see, I'd used my card’s cash advance to cover my rent. One of those interviews panned out and I did get a job — yay! — but as we all know, that first paycheck takes a few weeks to arrive. I used the card again to cover basic necessities.

This debt sent me on what I'll call a five-phase journey. The first phase? Feeling hopeless.

Image via iStock.

I was overwhelmed, confused, and disappointed in myself.

“There’s a lot of stigma attached to debt and it really eats at self-esteem and confidence," says Charles Freeman, a psychologist based in San Diego. He explains that when someone winds up in debt, "they resent the debt, and then that resentment leads to stress, impaired self-esteem, shame.” He's right.

I’d never really understood debt before. And while I know that many people are wrestling with far more than $2,000 in debt, it felt like the end of the world to me.

My situation wasn’t unique. A lot of people rely on credit cards or don’t have savings, and it can feel pretty hopeless and overwhelming.

I spent a year making payments and barely saw the balance reduced. I paid more than the minimum amount, but it all went toward interest. They don’t teach us this stuff in school. I didn’t know what to do.

Thank goodness for Google. Through research, I found a glimmer of hope.

Image via iStock.

I did my homework on how credit cards and interest fees work. Basic stuff. I mapped out a plan and started to feel excited. I could see my way through the mess I'd created. Enter phase two: Realizing I wasn't doomed.

I transferred my balance to a 0% interest card. I also took a look at my income versus my monthly expenses. I mapped out my pay schedule and upcoming expenses, determining when I could afford to make additional payments and exactly how much. I passed on nights out with friends and buttoned up my spending so that it was as efficient as possible.

I made sacrifices and remained disciplined, but I began to feel anxious.

Phase 3: Impatience. I wanted instant results.

I wanted to pay off the debt as quickly as possible, so as I saw success, I was tempted to cut back even further. I found myself sacrificing necessities unnecessarily. I wanted all of the debt gone, and I wanted it gone immediately.

Image via iStock.

But cutting back on necessities was stressful. The debt was still there, and now my quality of life was decreasing. "Some people create a budget, they're starving themselves, they're isolating, they're trying to shave off too fast, and their quality of life is extremely impaired," Freeman explains.

So, I had to tell myself to stay calm, be patient. Give it time.

I learned to celebrate small milestones — down by 25%! 50%! It was an incredible feeling.

After a year of feeling like I was throwing money into a black hole, suddenly I could see the difference. The lower the balance got, the more determined I was to master money: phase 4.

In just a few months, the debt was gone. A challenge that previously felt insurmountable was suddenly nothing.

Literally, balance 0. I'd done it.

Image via iStock.

Not everyone can pay off debt this quickly (and many people are faced with paying off much higher balances). I was fortunate enough to be responsible only for myself and to have the financial flexibility to put every extra penny toward my debt. But one thing I learned is that even the smallest amounts do add up, as cliché as that sounds.

I felt elated. And I felt empowered.

I was ready to tackle any financial goal that came my way. I was almost addicted to that feeling of success. Phase 5.

“That’s called a process addiction. … there are payoffs emotionally," explains Freeman. "By paying it off [you] get some sort of external self-esteem.” And he cautions that the true goal is to learn how to not get overwhelmed by debt and to view financial hurdles as long-term goals that you can and will conquer with time.

Image via iStock.

After that first major failure and subsequent triumph, my financial game is much stronger. And I've found that there’s no substitute for education.

Trying to tackle debt without understanding it was useless. It was like throwing a ball while squinting up at the sun. I had no idea where my efforts would land. And I sure wasn’t hitting my target.

But that feeling once I dug in, found the right resources, and knew what to do? Oh, it was glorious. It was a small win, but it made me feel like any of my financial goals are possible. And in truth, they really are, given hard work, due diligence, patience, and of course, just the tiniest bit of luck. Now, on to my next financial goal!

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We're redefining what normal means in these uncertain times, and although this is different for all of us, love continues to transform us for the better.

Love is what united Marie-Claire and David Archbold, who met while taking a photography class. "We went into the darkroom to see what developed," they joke—and after a decade of marriage, they know firsthand the deep commitment and connection romantic love requires.

All photos courtesy of Marie-Claire and David Archbold

However, their relationship became even sweeter when they adopted James: a little boy with a huge heart.

In the United States alone, there are roughly 122,000 children awaiting adoption according to the latest report from the U.S Department of Health and Human Services. While the goal is always for a child to be parented by and stay with their biological family, that is not always a possibility. This is where adoption offers hope—not only does it create new families, it gives birth parents an avenue through which to see their child flourish when they are not able to parent. For the right families, it's a beautiful thing.

The Archbolds knew early on that adoption was an option for them. David has three daughters from a previous marriage, but knowing their family was not yet complete, the couple embarked on a two-year journey to find their match. When the adoption agency called and told them about James, they were elated. From the moment they met him, the Archbolds knew he was meant to be part of their family. David locked eyes with the brown-eyed baby and they stared at each other in quiet wonder for such a long time that the whole room fell silent. "He still looks at me like that," said David.

The connection was mutual and instantaneous—love at first sight. The Archbolds knew that James was meant to be a part of their family. However, they faced significant challenges requiring an even deeper level of commitment due to James' medical condition.

James was born with congenital hyperinsulinism, a rare condition that causes his body to overproduce insulin, and within 2 months of his birth, he had to have surgery to remove 90% of his pancreas. There was a steep learning curve for the Archbolds, but they were already in love, and knew they were committed to the ongoing care that'd be required of bringing James into their lives. After lots of research and encouragement from James' medical team, they finally brought their son home.

Today, three-year-old James is thriving, filled with infectious joy that bubbles over and touches every person who comes in contact with him. "Part of love is when people recognize that they need to be with each other," said his adoptive grandfather. And because the Archbolds opted for an open adoption, there are even more people to love and support James as he grows.

This sweet story is brought to you by Sumo Citrus®. This oversized mandarin is celebrated for its incredible taste and distinct looks. Sumo Citrus is super-sweet, enormous, easy-to-peel, seedless, and juicy without the mess. Fans of the fruit are obsessive, stocking up from January to April when Sumo Citrus is in stores. To learn more, visit sumocitrus.com and @sumocitrus.

There have been many iconic dance routines throughout film history, but how many have the honor being called "the greatest" by Fred Astaire himself?

Fayard and Harold Nicholas, known collectively as the Nicholas Brothers, were arguably the best at what they did during their heyday. Their coordinated tap routines are legendary, not only because they were great dancers, but because of their incredible ability to jump into the air and land in the splits. Repeatedly. From impressive heights.

Their most famous routine comes from the movie "Stormy Weather." As Cab Calloway sings "Jumpin' Jive," the Nicholas Brothers make the entire set their dance floor, hopping and tapping from podium to podium amongst the musicians, dancing up and down stairs and across the top of a piano.

But what makes this scene extra impressive is that they performed it without rehearsing it first and it was filmed in one take—no fancy editing room tricks to bring it all together. This fact was confirmed in a conversation with the brothers in a Chicago Tribune article in 1997, when they were both in their 70s:

"Would you believe that was one of the easiest things we ever did?" Harold told the paper.

"Did you know that we never even rehearsed that number?" added Fayard.

"When it came time to do that part, (choreographer) Nick Castle said: 'Just do it. Don`t rehearse it, just do it.' And so we did it—in one little take. And then he said: 'That's it—we can't do it any better than that.'"

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True

We're redefining what normal means in these uncertain times, and although this is different for all of us, love continues to transform us for the better.

Love is what united Marie-Claire and David Archbold, who met while taking a photography class. "We went into the darkroom to see what developed," they joke—and after a decade of marriage, they know firsthand the deep commitment and connection romantic love requires.

All photos courtesy of Marie-Claire and David Archbold

However, their relationship became even sweeter when they adopted James: a little boy with a huge heart.

In the United States alone, there are roughly 122,000 children awaiting adoption according to the latest report from the U.S Department of Health and Human Services. While the goal is always for a child to be parented by and stay with their biological family, that is not always a possibility. This is where adoption offers hope—not only does it create new families, it gives birth parents an avenue through which to see their child flourish when they are not able to parent. For the right families, it's a beautiful thing.

The Archbolds knew early on that adoption was an option for them. David has three daughters from a previous marriage, but knowing their family was not yet complete, the couple embarked on a two-year journey to find their match. When the adoption agency called and told them about James, they were elated. From the moment they met him, the Archbolds knew he was meant to be part of their family. David locked eyes with the brown-eyed baby and they stared at each other in quiet wonder for such a long time that the whole room fell silent. "He still looks at me like that," said David.

The connection was mutual and instantaneous—love at first sight. The Archbolds knew that James was meant to be a part of their family. However, they faced significant challenges requiring an even deeper level of commitment due to James' medical condition.

James was born with congenital hyperinsulinism, a rare condition that causes his body to overproduce insulin, and within 2 months of his birth, he had to have surgery to remove 90% of his pancreas. There was a steep learning curve for the Archbolds, but they were already in love, and knew they were committed to the ongoing care that'd be required of bringing James into their lives. After lots of research and encouragement from James' medical team, they finally brought their son home.

Today, three-year-old James is thriving, filled with infectious joy that bubbles over and touches every person who comes in contact with him. "Part of love is when people recognize that they need to be with each other," said his adoptive grandfather. And because the Archbolds opted for an open adoption, there are even more people to love and support James as he grows.

This sweet story is brought to you by Sumo Citrus®. This oversized mandarin is celebrated for its incredible taste and distinct looks. Sumo Citrus is super-sweet, enormous, easy-to-peel, seedless, and juicy without the mess. Fans of the fruit are obsessive, stocking up from January to April when Sumo Citrus is in stores. To learn more, visit sumocitrus.com and @sumocitrus.

You know that feeling you get when you walk into a classroom and see someone else's stuff on your desk?

OK, sure, there are no assigned seats, but you've been sitting at the same desk since the first day and everyone knows it.

So why does the guy who sits next to you put his phone, his book, his charger, his lunch, and his laptop in the space that's rightfully yours? It's annoying!

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via Seresto

A disturbing joint report by USA Today and the Midwest Center for Investigative Reporting found that tens of thousands of pets have been harmed by Seresto flea and tick collars. Seresto was developed by Bayer and is now sold by Elanco.

Since Seresto flea collars were introduced in 2012, the EPA has received incident reports of at least 1,698 pet deaths linked to the product. Through June 2020, the EPA has received over 75,000 incident reports relating to the collars with over 1,000 involving human harm.

The EPA has known the collars are harming humans and their pets but failed to tell the public about the dangers.

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