Forty-seven percent of you have credit card debt, and another 12 percent of you are almost finished paying off your balances — keep plugging away! It's common to lose momentum in becoming financially healthy once you are rid of debt; enjoy the feeling of having a huge weight lifted from your shoulders, but avoid the temptation to relax your rein on spending.
Hopefully you were able to put some money aside while paying off your credit cards, but when you're done with your debt, turn your main focus to saving and building an emergency fund. Replace the spot in your budget for debt repayment with deposits to your savings account. It will be satisfying to make those monthly transfers and watch your own account grow, rather than remitting your plus-interest payments to the credit card companies.