destroy my debt

i have totally slacked on this goal. credit cards still max-ed. i dont have any better handle on my week to week money situation and this gnaws at me all the time.
i have done a few things to staighten out som probs. paid some bills and headed off some disasters.
i am just not doing enough on this goal. gotta step it up.

i just printed out my credit report from creditmonitoring.citi.com.
it supposidly gets you info from all three (equifax, experion and transunion)
it was free for the first month, then 10.00 a month after. i just have to remember to cancel it in a few days after my account is in their system. so’s i dont get charged the whopping 10.00.

it is very detailed and seems to have good pointers about my credit score specifically. not bad. :)

believe it or not. :)
total ccdebt: 8492.92
i thought it would be over 10 grand.

this total does not include student loans or car loan. credit card only.

bankrate.com says it will take me 20 months to totally pay it off. that is just shy of 2 years. eeekkkaddds!

so at least i did what i said i would do. i listed my debt on 43things. next i tighten the purse strings and start paying it down. :) ... joy.

i will do this this weekend and report back on monday.
i will.
i will.
i will.

this seems like a pretty good site. i just plugged in what i think my debts are and it came up with 24 months for me to pay them all off. ugh.
it kind of leaves it up to you to figure out how much extra you can put toward paying off debt. but it does do all the math for you once you plug in the numbers. interest rates with minimum payments with extra payments etc.
:)
good stuff.

i have been so close to paying off my credit card debt but not quite gotten all the way there. i want it bad. so bad that i ignore it, if that makes any sense.
i am not making the most i have ever made in my career. i am not living a place with the lowest cost of living (cheaper than LA where i just moved from but still…)

i have been down the road before. it has not been entirely easy but i do know what i am getting into. (that could be seen as good or bad).
i need to do this. i have to do this. this should be #1 on my list until it is checked off!
i find out my credit card debt tonight and keep a running, honest log of it on this website.
i am not including student loans or car loan. cause they are not at an interest rate anywhere NEAR my ccloans.
so there ya go. more later…