Be debt free

Now that vacation is over I can go back to really working on paying off bills. I hope to be debt free some time next year.

OK, so it wasn’t working out because we were still always broke. Now we are doing it DHs way. Seems to be working so far. Another bill was paid off:)

I set up payments for 4 of my credit cards so that they will be paid off by the end of August. That still leaves 5 between me and DH. I know it’s a lot when you look at them, but at least I’m doing the sensible thing and getting rid of them for good. I can’t wait until we’re mostly debt free(no more credit cards.)

I hate working overtime, but right now we can really use the money. I have the opportunity this week for some overtime, so I’m not going to whine about it. I will have to wait three weeks before I see that money, but maybe I can pay off a credit card with it.

I sat down today and printed my credit reports. With the car we are at $22,984. That is the car and 9 (yes, I said 9) credit cards. Without the car it’s only $10,383. The car is $12,601. It could be worse. We both still have our jobs right now and hopefully we can get rid of most of the cards by the end of the year. I have also been adding slowly to the savings and maybe in the next five years we will actually be comfortable.

The budget is still going. I paid another wave of bills with this weeks pay checks. It’s not perfect, but its working and we haven’t been getting any collection calls.

DH hit a deer with the new car yesterday. He wasn’t hurt, but the car was. It’s drivable, but pretty smashed up. I am so glad we had to have full coverage insurance because of the loan. We still have to pay the $500 deductable though. So, this is a setback. I need to sit down Sunday and refigure the whole budget because of this. That sucks.

I paid another wave of bills following our new budget. It feels great to have a plan and to see that we are accomplishing something finally. I also love that the collection calls have stopped. I feel so much less stress.

We paid off two credit cards with our stimulus check.

We now have a written plan through the end of the year. We won’t be debt free by then, but we will be a lot closer. We just got our stimulus check and are paying off a few cards with it. That will take some of the load off. I can actually see the end in sight. It should be sometime next year.