pay off the credit cards

today i payed off the small one, woohoo!

the trick is to only use this one, so that i can chip away at the bigger one without just adding more onto it.

also, using the smaller one means i have a limit.

also, not using either is even better.

this entry of brilliance brought to you by monday morning coffee.

I will not post how much credit card debt as it is extremely embarrassing. We got where we are because life deals us lots of extreme situations and not because of frivolous spending. In the next few months, things should be changing so that we have the means to start reducing the debt rather than maintaining it.

We had this goal completed last year, and then we bought a house. We didn’t have the cash to buy our appliances though. We racked up more debt and are working at this goal once again! It’ll happen…again!!!

We got sick of having the credit card debt and decided to get a small loan. So, even though the debt is still there, we know that the balance will be paid off in at least 3 years, and at a lot lower interest rate! So, that leaves about $250!!!

$6,315

I thought the balance would be a lot higher after Christmas, but we barely charged any gifts and we paid more than I thought we would in December!

$6,220 (before the Christmas purchases have been added.)