Credit Card Ab - $2266.84
Credit Card Me - $3935.00
Credit Card Di - $1462.69
Credit Card Am - $2540.62
Credit Card NF - $0.00
Total Debt: $10,205.15
Tuesday, February 1, 2011
Thursday, January 13, 2011
January 17, 2011
The credit cards have been cut up. I do have some recurring expenses on each, listed below. Right now, I'm focusing on paying off the Di card, so all extra money I have I'm throwing at that card. For the others, I pay the minimum plus whatever the recurring expenses are each month, so that I don't get further behind.
Credit Card Ab - $2376.84
Credit Card Me - $3935.00
Credit Card Di - $1452.15
Credit Card Am - $2492.62
Credit Card NF - $0.00
Total Debt: $10,256.60
Recurring Expenses
Credit Card Ab - SunPass ($120/month) and Netflix ($10.59/month)
Credit Card Me - credit monitoring service ($12.99/month)
Credit Card Di - Lagusta's Luscious chocolate of the month club ($33/month)
Credit Card Am - none
Credit Card NF - none
By my calculations, the Di card should be paid off by February 11. Then I'll start working on the Am card, which should be paid off by April 8. Then Me, which should be paid off mid-July, then Ab, which should be paid off by end of August.
Now, the question is - can I sustain this level of card-paying-offery, while still putting money away for the wedding and paying for our trips to Madison and Disney?
Credit Card Ab - $2376.84
Credit Card Me - $3935.00
Credit Card Di - $1452.15
Credit Card Am - $2492.62
Credit Card NF - $0.00
Total Debt: $10,256.60
Recurring Expenses
Credit Card Ab - SunPass ($120/month) and Netflix ($10.59/month)
Credit Card Me - credit monitoring service ($12.99/month)
Credit Card Di - Lagusta's Luscious chocolate of the month club ($33/month)
Credit Card Am - none
Credit Card NF - none
By my calculations, the Di card should be paid off by February 11. Then I'll start working on the Am card, which should be paid off by April 8. Then Me, which should be paid off mid-July, then Ab, which should be paid off by end of August.
Now, the question is - can I sustain this level of card-paying-offery, while still putting money away for the wedding and paying for our trips to Madison and Disney?
Thursday, December 30, 2010
Epic fail on the credit card front
So...between an unexpected trip to Alabama, an unexpected hotel expense in New York (couchsurfing fell through rather miserably, although at least we found out in advance!), new brakes, Christmas presents, and falling completely off the healthy food wagon (thus spending a LOT of money on fast food and restaurants) - my credit card debt is at an all-time high at the close of 2010. Behold.
Credit Card Ab - $2459.75
Credit Card Me - $3977.37
Credit Card Di - $2918.73
Credit Card Am - $2564.62
Credit Card NF - $0.00 (paid this one off last year, haven't used it because I cut it up)
Total: $11,920.47
The fact that I ended up with $3700 additional credit card debt this year instead of paying it off, as I had planned, really annoys me. But it proves what I had suspected - I need to cut the cards up and not have them available. I just don't have the willpower, currently, to have them and not use them. Also, I think I need to cancel my subscriptions to - or at the very least, auto-archive - Groupon, LivingSocial, and Dealist. Way too much temptation.
So - New Year's resolution #1:
cut up all of the credit cards
Credit Card Ab - $2459.75
Credit Card Me - $3977.37
Credit Card Di - $2918.73
Credit Card Am - $2564.62
Credit Card NF - $0.00 (paid this one off last year, haven't used it because I cut it up)
Total: $11,920.47
The fact that I ended up with $3700 additional credit card debt this year instead of paying it off, as I had planned, really annoys me. But it proves what I had suspected - I need to cut the cards up and not have them available. I just don't have the willpower, currently, to have them and not use them. Also, I think I need to cancel my subscriptions to - or at the very least, auto-archive - Groupon, LivingSocial, and Dealist. Way too much temptation.
So - New Year's resolution #1:
cut up all of the credit cards
Monday, May 24, 2010
Debt Update
Credit Card Ab - 2279.77
Credit Card Me - 4268.01
Credit Card Di - 0.00
Credit Card Am - 1654.07
Total: $8201.85
Credit Card Me - 4268.01
Credit Card Di - 0.00
Credit Card Am - 1654.07
Total: $8201.85
Tuesday, May 11, 2010
Money update
I haven't done so well lately with paying the cards down. Or rather, I paid them down, but then spent them up again (mostly on travel-related items).
Here's the deal now (I started confusing myself using numbers to refer to the credit cards, so now I'm using letters):
Credit Card Ab - 2204.67
Credit Card Me - 4225.94
Credit Card Di - 240.54
Credit Card Am - 1964.07
Total: $8635.22
Yes, that's $96.88 less than my total of $8732.10 as of January 4 - but that was four months ago - so it should be MUCH less (like $3000 less). But oh well. Going to pay off Card Di again this week, then Credit Card Am is the next victim.
I decided to leave my tax refund in my emergency fund - I've used tax refunds to pay off credit cards before, and strangely, they just didn't stay paid off. So I'm trying a different way this year.
Oh, and since we joined our church two weeks ago I've started tithing. 10% a week. Not easy psychologically, but I am interested to see how it works out.
Here's the deal now (I started confusing myself using numbers to refer to the credit cards, so now I'm using letters):
Credit Card Ab - 2204.67
Credit Card Me - 4225.94
Credit Card Di - 240.54
Credit Card Am - 1964.07
Total: $8635.22
Yes, that's $96.88 less than my total of $8732.10 as of January 4 - but that was four months ago - so it should be MUCH less (like $3000 less). But oh well. Going to pay off Card Di again this week, then Credit Card Am is the next victim.
I decided to leave my tax refund in my emergency fund - I've used tax refunds to pay off credit cards before, and strangely, they just didn't stay paid off. So I'm trying a different way this year.
Oh, and since we joined our church two weeks ago I've started tithing. 10% a week. Not easy psychologically, but I am interested to see how it works out.
Monday, January 4, 2010
Flashback
As of October 23, my debt was as follows:
Credit Card #1: $3128.99
Credit Card #2: $4586.88
Credit Card #3: $1309.07
Credit Card #4: $1314.75
Subtotal: $10339.69
Auto Loan: $14849.39
Undergrad Loan #1: $1543.80
Undergrad Loan #2: $9414.82
Subtotal: $25808.01
Total debts: $36147.70
Analysis:
I have paid off one credit card and a total of $1607.59 in credit card debt. I've paid off $2394.94 of total debt.
I wish I was further along, but I'm OK with this. I am on track to pay off credit card #3 by January 29th.
Credit Card #1: $3128.99
Credit Card #2: $4586.88
Credit Card #3: $1309.07
Credit Card #4: $1314.75
Subtotal: $10339.69
Auto Loan: $14849.39
Undergrad Loan #1: $1543.80
Undergrad Loan #2: $9414.82
Subtotal: $25808.01
Total debts: $36147.70
Analysis:
I have paid off one credit card and a total of $1607.59 in credit card debt. I've paid off $2394.94 of total debt.
I wish I was further along, but I'm OK with this. I am on track to pay off credit card #3 by January 29th.
January Totals
Credit Card #1: $3230.31
Credit Card #2: $4433.40
Credit Card #3: $1068.39
Subtotal: $8732.10
Auto Loan: $14092.60
Undergrad Loan #1: $1474.43
Undergrad Loan #2: $9453.63
Subtotal: $25020.66
Total debts: $33752.76
Credit Card #2: $4433.40
Credit Card #3: $1068.39
Subtotal: $8732.10
Auto Loan: $14092.60
Undergrad Loan #1: $1474.43
Undergrad Loan #2: $9453.63
Subtotal: $25020.66
Total debts: $33752.76
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