Be debt free

To pay off the debt consolidation of over $32,000. I will feel so good. Still have debt, but at least there is some accomplishment for this goal.

When the debt consolidation is paid off in 4 months, the student loan payments will begin. No rest for the wicked!

The credit card consolidation now is down to about $1280. Only 4 more payments and I will have paid off that $30,000+ in credit card debt off. I am going to celebrate—not sure how, but I will! Still have debt left, but this is the big payment each month.

The credit card I’ve been paying on that started with a balance of $11,800 is now approximately $1,640. I’ve been paying on it for almost 7 years through debt consolidation and it is almost paid off. Five more payments to go.

I’m returning a sweater I charged – $40 plus tax – because once I got it home, it wasn’t worth $40 of loving it. Anyway, it’s going back.

I had to buy new shoes for work. I’ve been looking for a while and finally found 2 pairs that are comfortable, fashionable, and in a style I like. Both were on sale, but I had to charge them. I also bought a black/white skirt and gray capris, both for work. The skirt was 75% off, and the capris were $10 off. So it was way more than I wanted to spend, certainly more than my usual Goodwill purchases where I get tons of good stuff for $20. My goal is to pay off the charges by this time next month to bring me back to where I was before I charged. I so rarely charge nowadays that it felt icky pulling out the charge card and using it, almost like I was failing to be responsible about my money. Sometimes, however, charging is necessary for me—and this was one of those times.

My consolidation of over $30,000 has finally gone below $2000! Yay! I’ve been working on it a little over 6 years. I am now approximately $8000 in debt (which includes other debt), and I started paying off at around $60,000 in debt. It does work. The secret: make payments on time, and don’t go further in debt. It’s not easy, but it is possible. The only reason I’ve been able to pay this far down is because I am committed. How many times did I want to charge something I really, really wanted, but I didn’t? Hundreds. How many times did I want to spend bill money for something fun? Hundreds.

on a store card. I had to buy some “essentials” last weekend, and got the wrong size on one. I exchanged it yesterday, and the item was about $5 less than it was 4 days earlier. They gave me the lower price, so I was refunded about $5. I had bought two items, and asked if I could get the reduced price for the one that I had at home and had already worn, and they gave it to me! So I saved about $10 total. It will only be effective if I can pay off that store card quickly, which I intend to do. It pays to ask for the discount!

today by mail. Total of $125 debt that I do not need to pay, plus the interest. It is such an easy thing to do, not to charge, and it is hard to resist when I am addicted to getting what I want right off.

I charged a few things – fun things not necessities – and they ended up not working out so I returned half of them (still have to return the other half and I will). It’s not that I had remorse (I did, but wanted to keep them), but they just did not work out! I guess I’m not supposed to be charging fun stuff right now, but paying off the debt I have so that I can eventually pay cash for fun stuff. Okay, I got the message. I got it! I hear youuuuuuuuuuuuu!