get rid of my debt

I didn’t think I had any until I thought about it… student loans, my apartment deposit from my mom, my library fines… it all adds up. Gotta start chipping away!

Yes! After waiting for 3 months I will be out-of-debt. I have finished paying my loan and I’m just waiting for my next salary to pay my last outstanding debt on my credit card that I used 2 months ago to fix my car. Next stuff is opening a new account in which I could put my personal savings.

One down but not as quickly as I had hoped, need to do more.

Hahaha! I didn’t have anything on my plate during work so I was able to plan all of my projected payments to my loan and credit card including plans for overhauling my car. It was very very hard to plan when you don’t have enough financially so I’m very thankful that I got a salary increase just this month thus I can now pay and overhaul my car without sacrificing my financial responsibility. Obviously I cannot just pay them all right away but I’m already excited on getting out-of-debt on the next few months!

I just recently got an 80% appraisal of my previous salary. The problem is I’m not even thinking about paying my debt now just because I can already pay it on a month’s salary. It’s just pretty hilarious that it didn’t even think about paying my debt when I bought a lot for my car’s accessories. Anyway, I am giving myself a deadline to be fully out-of-debt in 3 months including my car loan.

Another one, fuck sake.

it’s a love-hate relationship for me and my credit cards. I love it when I get to pay them on time and get really nice perks like gift certificates and even cash backs. I hate them when something’s wrong and I miscalculate or pay less or miss a payment and having to pay interest. i really hate them when they miscalculate something like crediting my waived annual fee or even not agreeing to wave my annual fees. Anyways, i’ve been a good girl lately and i feel it paying off. it really pays off to keep track of debt because at the end of the month, i’m not surprised seeing my statements and not baffled as to where my money went.

AAAAHHHHHHH! Bastards! I’ve just totaled up how much I have been charged in bank charges over the past year for being over drawn and the like. At £35 a pop, £280. Fuck sake, the things I could have done with £280. Plus another £50 from late payments on my loan. And for what, so that a computer somewhere can send me an email saying “you do not have sufficient funds”. I know I don’t have sufficient funds, but I don’t know why it costs me £35 to hear it from you??? CUNTS! Little bit angry, need to sort this out.

My primary goal is to pay off the remainder of my credit card debt that I incurred while self-employed. While I kept spending to a minimum, I did rack up the balance from zero to over a couple grand in just under a year. Coupled with the remainder of my car payments, I believe that I can pay off my total balances by the end of September 2009. Let’s see if I meet my goal!

Ok something weird happened to my credit card. i wasn’t charged my 4th monthly installment this month. i don’t know why and the CSR didn’t know why. All he knows is that I’m going to get billed next month. OK. I seriously think they want me to fail at managing my money and bill me for another freakin’ high interest when they charge me for 2 months next month. they did this to me last feb! i hate it! But i’m going to be a good girl and pay them now because I know exactly how much I owe them and they’re not going to get another peso for interest from me.