Update on what I still owe:
—Chase Rewards HRC: $2400
—Capital One: $2360
—World Points: $1430

...which brings the total down to $6190… which is, actually, a lot lower than I was expecting. (Last time I checked in, my total credit card debt was $7930.) Since my Capital One card is the only card that still has an open account, I’m not surprised that its balance hasn’t gone down at all. (Actually, it’s gone up by $150 since my last update.)

Unfortunately, I never did really truly celebrate paying off the last card, and now I’m focused on getting done with the next one: setting my sights on the World Points card next, as you may imagine. If I make a payment of at least $100 per month to the World Points card, I’ll have paid it off in about a year and a half—December 2013 or thereabouts. That’s kind of depressing to think about because it seems so far away, and on the salary I have now, this whole “getting out of debt” thing is basically insurmountable. Then again, it’s a time that I actually can think about (that is to say, it’s not that far away and I can imagine it at all, as opposed to having even more debt that I can’t even imagine paying off at this point).

As I mentioned in my last update in this section, an extended relative moved in with us last summer and it’s just about gotten to the point that I need to move out in order to keep my own sanity. Unfortunately, I can’t afford to do that with the job I have now—I couldn’t afford it with the job I have now, even if I was already debt free, which is a sad nod to how much money I really don’t make—so I need to start looking for a new job. (I need to start looking anyway, though, but now I’m miserable enough to actually do it.)

Even if I get a better-paying job and don’t move out, I’ll be able to pay off these cards that much faster and will then be able to start paying off my student loans and will then be able to seriously think about living on my own again. Living at home is a necessary evil, I understand it, and my parents are wonderful (truly, they are), but it’s still… well, living at home when I really shouldn’t be. The least reason of which being that my parents can’t really afford me staying at home, either, no matter how loving and awesome they are.

Chugging along, as ever.