live debt-free

But only have decreased. I think we’ve changed our ways permanently. I mark this done.

Hmmm, DH picked up reimbursement checks from the dentist’s and deposited them and then spent the money. Major slide back.

Now is the time of the month when we would typically hit the cards. We are both sneaking food at work in various ways for lunch. Eating eggs,celery, carrots for dinner. We walk a lot instead of charging the gas. It is the 19th. Can we make it?

Ok, we will try a moratorium on all credit purchases this month. I saved some money for emergencies. Withdrew cash from the bank for this month’s food and incidental purchases. And, I set up a spreadhseet with all the “stupid debt” arranged in order of rate. This website tells you how to figure out the timeline for paying it off:
http://www.bankrate.com/dls/home-equity-advisers/debt-adviser.asp
I also arranged an autodraft for the big one. I need to figure out more about this pay-twice-a-month scheme. it is supposed to accelerate your paydown quite a bit.

I have made tremendoud progress on this, but only because I got an award that pays off student loan debt (15K per year for each of two years!). However, I make no money at my job and have made no progress on the credit card debt… even slipped further in.