Update on what I still owe:
—Chase Rewards HRC: $3240
—Chase Platinum: $100 (!!)
—Capital One: $2000
—World Points: $2675

...which brings the total down to $8015. (Last time I checked in, my total credit card debt was $9644.)

I actually did what I said I was going to do, which was put my tax refund toward the card with the lowest balance. I did that and now I owe only $100 on my Chase Platinum card, which I will be paying off completely in July. The account is already closed, so the next time I update this goal, I should have only three cards to think about!

I still get annoying phone calls about “creating a plan to restructure [my] debt”—whatever the hell that means. Usually, though, the caller wants to know if I have at least $10,000 in unsecured (ie: credit card) debt. I used to say yes because I couldn’t really remember, but now I’m going to grin and say, “No, thank you. Goodbye” and hang the damn phone up.

I want to celebrate paying off one of my cards, but I’m going to have to figure out a way to do it without buying anything. Maybe an afternoon in the park with a picnic lunch? Hmm, I’ll think of something.