Be debt free

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.

DH has taken over the bills. In a way I am glad this has happened, but he gets so mad and keeps telling me how much I have screwed up our lives. If he had been involved from the beginning, maybe we wouldn’t have been in this shape. I wish he could just understand what I have been going through all this time just trying to keep things going. It has been so stressful doing it by myself the whole time.

I really, really, really want to be debt free. Even if I still had the car payment I would be happier without the credit card bills. I haven’t used any of them in a long while, but I feel like I will be paying for them forever. With food and gas costing so much I wish I had got my ass in gear and really did something about this goal. We will be getting our stimulus(sp.) check in July. Maybe I will be able to get rid of some of it with that. I do really need a new laptop though, but I hope I will make the right choice and pay off some credit cards with it. It’s just so tempting to buy something I WANT because I’m always doing what I NEED to do with the money. I just have to remember that we will be able to afford the things we want after we have finished paying for the stuff we already have.

I have kinda stalled on this for the time being. I’m in gas hell just like the rest of the country. I’ve just been paying miniums lately. I need to stop driving so much to save some money for the bills.

I have paid all of my minimum payments for the month of January already. When I receive my paychecks in January all I have to do is start paying as much as I can to the smallest balances. I should have at least one credit card paid off by the end of the month. Today I am going to make an outline of the order in which the debts will be paid off.

I have made a plan to work myself out of this debt problem. The first step will be taking place after the holidays because I will have extra money from my year end bonus. I will use it to create my emergency fund of $1000. After that my paychecks will all be going to paying off debt. We will live off of DH’s salary until we are debt free. Then we can start saving even more. I’m kind of following Dave Ramsey’s debt snowball, but I don’t know if I’m doing it exactly like he does it or not. I haven’t read his book, just listened to the shows. Antway, I hope to be ostly debt free by this time next year and not have to worry about money so much.

I am slowly trying to work myself out of the money rut we have been in lately. It’s still a struggle, but I am making it that way myself. It would be easier if we didn’t take vacations and buy some stuff that are wants instead of needs. After vacations are over I will be hitting the debt problem as hard as I can in hopes of being able to go back to school next year. More education will provide me with better job opportunities which will help the money issues.

I always have such good intentions when it comes to paying off credit cards, but something always comes up. I am going to just pay minimum payments this month so I can go enjoy my vacation. I think I need that more than anything right now. My DH and I really need to reconnect and relax. I will really hit the payments hard after vacations are over with.

It seems like as soon as I get ahead something happens and I’m back where I started. This sucks. If DH and I were on the same page maybe this would go a bit faster.