I had already figured many things before I got hold of Automatic Millionaire book. I consolidated my remaining two credit card debts, total 3.100, with a personal loan of 3.400. So, I got my interest rates down from 12% regarding the credit card debts and for some reason bank also decreased my personal loan interest rate from 6,7 to 5,1 (and I didn’t even ask!). I am debt free within a year. My cash flow has improved significantly, I have increased my monthly savings and I can afford extra surprise costs without having to a credit card.
Now that my annual interest rates and other card related costs have gone down I use that extra cash so that 50% goes to extra savings and 50% is used for extra payments towards the personal loan.
I have plans for the near future once all the debt is gone and am already enjoying life better. I switched back to commission-based work because now my financial situation can tolerate income highs and lows better than before and in total one always makes better money with commissions compared to fixed salary.