pay off credit card debt

Just $5,000 left.

All of it on 0.0% interest.

This interest rate lasts until August!

I CAN’T WAIT UNTIL IT’S GONE!

$6800!

But because I’m saving money by living off cheap food…

I’m getting fat.

I CAN’T WIN!

I returned a few luxury items:
1. Freepeople Purchase: $308.
2. Asics sneakers that didn’t fit: $83.

Now my debt is down to $7400.

I know the numbers don’t quite add up—but I must have been figuring in some of that return, when I totaled my debt last time.

I confess: as much as I want to get rid of this debt, I also want to shop! FALL FASHION!! YOU ARE TOO DIFFICULT TO RESIST!

At least, I hope I’m on my way.

The debt has been fluctuating, but I’ve made a lot of progress.

Since January 2005
start: >$13,000
lowest point: ~$6,700
current: $7,500

Progress:
1.Closed out cards that charged annual fees.
2.Closed out cards that offered no rewards, with an interest rate above 8%. (i.e. kept one card with no rewards, but has an interest rate of just 7.99%.)
3.Transferred major balances to 2 cards with no-fee, 0% balance transfer options for 12 months.
4. Remaining balances on cards 7.99% interest: $400. (Hopefully that’ll be paid in two weeks.)
5.I still use one credit card: amazon.com visa.

-- this card offers amazon gift certificates with point accrual.
-- this card is paid off with each bi-weekly paycheck.
-- this card has a limit of only $800, so it is impossible to run up a huge bill.