pay off credit cards

This is a nonprofit agency in San Francisco that will help you negotiate with credit card companies and then manage your payments.They are one of the few places you can go to get real help and not get ripped off.

Under $3000!

Chase: $1728.92
Commerce: $939.72

Hooray! My raise came through, and was retroactive to my review date (7/1). I was able to make a $425 payment to Chase, and $150 to Commerce. I love paying down debt. It’s almost the same high as shopping. Or close anyway.

This is the month where I’ll pay off my last credit card. Woo-hoo! I pay it out of check 2. I got my first check of the month last week. I owe less than $140 in credit card debt at this point. I think I’ll take myself to Texas de Brazil to celebrate. Why not? I’ve been throwing that bit of money to credit card companies up until this point.

And after that is paid off, I will cut the Credit card in half and Throw it in the bin.
I can’t handle the headache it has over me, I prefer to be Debt free and Pay for things in cash rather than a plastic card, so this is one thing which will be going to go at the end of this month.

Even though it’ll only be $300 gone, it’ll be one less payment I’ll have to worry about. Then I’ll focus on my $500 credit card.

Just bought a magazine for $5 that I could have paid $12 for a year subscription for. $5 isn’t much, but that could have gone towards gas, or an extra $5 down on my credit cards. My goal this week is to keep my spending under $20 – includes going out, eating out, stuff for myself. All extra goes to cc payments.

Just made $70 payment to CC#1, which was $3,125.99 at the beginning of the month.

Payment to CC#2 will be next week.

Bofa: 2650
ATT: 552
Wamu: 795

It feels absolutely fantastic when the number to the left of the comma gets lower. I’m feeling a bit euphoric because I finally broke the $4,000 mark. I’ve been stuck in the $4,000’s for almost a year and a half, because money’s been tight and I couldn’t pay much more than the minimum most months. This month I was starting to obsess so much about dipping below $4,000 that I just had to grit my teeth and pay a bunch extra on some of my cards.

I won a $25 gift cert towards running shoes! My goal is to not purchase them via credit and save up the cash to purchase them. At least I have a free $25 towards them!

I’m making progress slowly. My total debt was just under 15K when I started this and now I am at $10,523.59.

Vet visit for animals – $58 (hasn’t posted yet)
Gas – $29.57
And I forgot about the no food thing and put it on my credit card

New totals:

Chase: $2005.97
Commerce Bank: $1,089.72

Grand total: $3095.69 + $58 = $3153.69