Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.

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How I Wiped Out $12,000 in Credit Card Debt (Without Moving Back in With My Parents)

There was a time when I could barely open my banking app without getting chest pains. I owed over $12,000 in credit card debt and was stuck paying hundreds a month just to keep up with interest.

I didn’t want to move back home. I didn’t want to sell my stuff or go bankrupt. I just needed a real plan.

The Game-Changer: Asking for Help

One night, I found a company called CuraDebt that offered a free consultation. I figured I had nothing to lose — and wow, I’m glad I did.

They helped me consolidate everything into one simple monthly payment. No more juggling due dates. No more late fees. They even negotiated to reduce what I owed.

“Clients who stay with the program typically save around 50% before fees — or about 30% including fees.”
– CuraDebt Disclosure

If you owe over $5,000 in credit card or personal loan debt, see if you qualify here:

Other Things That Helped Me

Getting support from CuraDebt was the foundation — but I also took a few other steps that helped me build momentum:

• 📲 I opened a SoFi account and earned a $325 bonus for switching (which I put straight toward debt).
• 💸 I used FreeCash to make quick side money testing apps and games.
• 📅 I made a strict weekly budget — no more “oops I forgot” spending.

Here’s how my progress looked:

No Shame in Needing Help

If you’re drowning in debt, don’t just “hope” things get better. Take action like I did.

You don’t have to move back in with your parents. You just need the right support.