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

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.

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.

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

The Naked Truth

Without further ado...the naked spectral figure of my debt:

Credit Card #1: $3262.64
Credit Card #2: $4377.60
Credit Card #3: $1270.01
Subtotal: $8910.25

Auto Loan: $14336.79
Undergrad Loan #1: $1508.57
Undergrad Loan #2: $9414.82
Subtotal: $25260.18

Total debts: $34170.43

The State of Things

Well, the $10 per week thing didn't work so well. Neither did the $20 per week thing. It's just a wee bit too restrictive right now. But I haven't spent any money on credit cards!

We haven't really been going out much anyway. We spent Thanksgiving with Carrot's family. I've been studying for finals, so mostly I just spend money on lunch.

Newest Art

Loved this, bought it at the Delray Art Festival. $95 - with a hand-drawn detail of one of the butterflies. Definitely worth it every penny.

Check out the artist's website: http://www.echo-x.com