What a great question to ask!
It’s so easy to get immersed in the debt reduction swing of things that once the debt is gone and there’s all of this cash floating around where there once wasn’t, it’s a bit of a shock to have the burden lifted. Now, it’s a very good shock to have, but having a plan for the money that was consumed with credit card repayment is key to staying back on track.
The snowball method of debt reduction works wonders, but the snowball is biggest at the end, and needs to be actively controlled or it will just go up the hill, come back down, and roll over you. There’s a lot of free cash flow that needs to be controlled. Formulating a saving plan, setting up extra roadblocks to avoid missteping into credit card debt, and just not going nuts with the shopping to celebrate go a long way to accomplishing this.