I got paid on Thursday, and continue to take the ones place and change and put it toward the goal. This check was funny because there was no change. It was an even dollar amount which is really unusual. Anyway, $3.00 toward the evil CC debt.
Archive for March, 2008
I just noticed that I see a google ad under each post I click on specifically (not if I am looking at the whole blog, but if I click a specific post), and another ad at the top of this page where I am adding a new blog post.
They do not bother me. I am just wondering - Did these just start or have I not been paying attention? *blush*
I found $172.80 in the budget for the 0% CC. I have been skimming money from some of my other categories that I feel are okay with a little less. I hope I'm right. I'm also looking forward to my next paycheck this week and putting even more toward this goal. I really want this debt GONE! I need to move on and be able to buy a house, and that can't happen until this is paid off.
We actually have more debt after this is paid, but it will be a really good chunk gone. I'm not sure what the next goal will be (paying off more debt or saving for a down payment), but nothing can happen until this goal is met so I am trying to get there as fast as humanly possible.
New CC Balance: $8,195.38
Happy day here - a new record for fuel economy in my 2008 Honda Fit automatic.
I have not increased the air pressure in my tires yet, so they are still at the manufacturer's spec (should be 32psi, but I have not checked). There was no highway driving involved, but I do drive rurally on my commute so I can go 5-10 miles without stopping in one section which helps my fuel consumption. Again, I have really taken my slower driving seriously on this tank of gas, so I would say 90% was me driving 5-10mph under the posted speed limit trying to keep my RPMs as close to 1500 as possible, but allowing up to 2k RPM. My husband did drive a few short trips on this tank that were anything but hypermiling (says it drives him crazy to go even 5mph under the limit) so I may be able to do even better in the future which is extremely exciting.
If I can keep this up and gasoline prices do not continue to rise so fast, I am hoping to be able to sweep about $10 from my gas category to the 0% CC at the end of the month.
In other news, I tried to pre-pay my one CC, and they ended up sending me a check for the credit amount. I wish my CCs would send me money every month instead of the other way around! *LOL* I've got a grace period so I guess I'll let it sit and earn interest until the end of the month and then send it back to them.
I am feeling a little bit better since my last post. Thank you again to all who posted support and encouragement for me! I truly appreciate it.
I received a check in the mail yesterday for some side work I do as a mail decoy - $58.50 for 3 months of work so not a lot but a nice little "extra". I took that money along with $40 I had leftover from my "allowance" last paycheck, $54 I cut from our budget this month and the interest earned on my ING checking account last month and made a payment to the 0% CC - a total extra payment of $153.82 that will go through tomorrow.
Updated 0% Credit Card Total = $8,368.18
Now that my EF is at my initial goal of $5,000 I am starting to feel lethargic with my plans. I know that the next step is to pay off debt but it is looking so bleak at the moment.
My boss took me aside this week and explained that the health insurance premiums are more than she originally thought, so they are going to be basically 25% of my pay. Basically it is going to take up all the "extra" that I was going to put toward the CC you see on the left. I feel as though we will never get anywhere. Every time I feel like we are *finally* getting up some momentum stuff like this slams into us.
I have $1,200 set aside from the tax refunds that were over and above the $5k EF. It is sitting in an ING account until I can decide what to do with it. I just don't know.