get out of credit card debt

to really make this whole debit crisis sink into my brain. After I pay off the first round of bills I have coming up I am going to get a real tally and see how much debt I’m actually in.

Its hard to figure some things into the mess because I have a brand new car that I pay on every month and I doubt I’ll count rent because that’s constantly revolving. I think I’ll just do credit cards and the loan I owe the bank. Money is the root of all evil, at least in my world.

Enrolled in a debt consolidation program and my single monthly payment is much less than all the credit card payments were.

So I paid some of my credit cards that were due. I paid off Express to only ring it back up (see previous post) but at least I paid the past balance off in total. As for Kay, I really need to stay away from that store. I go in with my brother and I purchase something for myself. They are CUTE earrings but totally not a necessity.

I can’t help with things are on sale and these REALLY cute shirts were at Express.com so I bought 4. But 4 really really cute shirts for 50 bucks, I couldn’t pass it up.

Right now my balance on my Express card is 50 bucks but I am paying that off on Friday. Next bill comes in I’ll be able to pay that off right away as well. Maybe that’ll actually help improve my LOW LOW credit score.

So in order to get out of my credit card debit I figured it might make sense to pay more than just the monthly min on all my cards. This will make it harder to save any money but I figure once these credit cards are off my back all that money I’m paying into these things will go straight into savings.

I’m going to pretend I still have to pay it off. Hahah I wonder if trying to fool myself will work? We shall see.

to about $5,000 again. It’s kind of depressing that it took 7 months to pay off the patio door. Now, I hope we make more progress with hubby’s summer pay.

We’re not really planning on going anywhere this summer. Just a few road trips. No hotel stays. So I’m hoping we really can make a dent.

i’ve been engaging with the idea of getting my credit card debt paid of for some time now but you know, it’s always the case of something more fun to do before committing the cashola to a bill that can kind of wait. i’m not in crazy debt but i want to be more financially healthy so i’ve set up an online transaction of $200 a fortnight that will just automatically go on the card. this should have everything rounded by the end of this year.

Okay, so I really have to do this, and I know I would love to get out and STAY out, so I’m going to have to make some serious lifestyle changes. I would love to do this within two years, and build up an emergency fund so I don’t have to fall back on the cc as a cushion. Difficult, though, since my income is so unpredictable.

it’s official as of today. i was approved for a debt consolidation program. it’s going to take until the beginning of 2011, but all of it will be done with.

hoorah!

I am so stressed out thinking that I have over $ 18,000.00 in credit card debt. I am working just to pay off credit cards. It’s so frustrating! I closed down a gift shop and now I have all this debt to catch up on!! With 3 kids and working only part-time it’s hard to really get ahead. I’ve started selling Avon but you have to bust you butt to make it up to the 50% profit! I’m going to continue this…hey $ 50.00 profit is $ 50.00 I can put towards my balances. Denise