Monday, November 26, 2007
Friday, November 9, 2007
$300 payment...Attacking The LAST CREDIT CARD!!!
I paid $300 to the last of the credit cards this family will ever see!! I've got a ways to go, but I can SEE the finish line.
A year ago my family's life was very different. Fundamentally we were the same, but when bills are on your mind, and looking at the numbers makes a person queasy, life is definitely different for the spirit.
Today, I feel anxious in a good way when I sit down to look at the numbers. I am anxious about finishing up paying off debts. I am anxoius about getting aggressive in paying off our house. I am itching to get started on college funds for our kids. It's all POSITIVE excitement and anxiety.
What a difference a year of focused, conscious planning makes.
A year ago my family's life was very different. Fundamentally we were the same, but when bills are on your mind, and looking at the numbers makes a person queasy, life is definitely different for the spirit.
Today, I feel anxious in a good way when I sit down to look at the numbers. I am anxious about finishing up paying off debts. I am anxoius about getting aggressive in paying off our house. I am itching to get started on college funds for our kids. It's all POSITIVE excitement and anxiety.
What a difference a year of focused, conscious planning makes.
Thursday, October 18, 2007
1 DOWN, 3 to go!
It's official!!! Today I pay off credit card #1!
I paid $570 yesterday, and today I pay $422.60!! And, that sucker is out of my life, my wallet, my consciousness!
It feels awesome!!
I paid $570 yesterday, and today I pay $422.60!! And, that sucker is out of my life, my wallet, my consciousness!
It feels awesome!!
Tuesday, October 16, 2007
$150 to CC
And, the momentum begins to build back up!!! I paid 150 to the credit card today, and deposited a couple of paychecks. So, when those get posted, I will be sending another payment. Then, that big paycheck is coming for a month's worth of test proctoring, and I can't wait to put that towards debt.
Monday, October 15, 2007
Momentum, Interrupted
It's amazing how slipping even a little bit out of a good routine can derail an entire gameplan. I wouldn't say that's exactly what's happened to me, but I can say that my momentum has been slightly interrupted.
First, I chose to take a portion of my income and put it towards a home improvement project that we've meant to do for years. Although this seemed like a very practical choice, I missed not being able to post that I'd used that $ for a credit card payment.
Second, I started a new testing gig, and it only pays once a month. So, once a month there will be a BIG payment post, but again, I miss the momentum of posting 2-4 times a month that I've made payments. (However, I will LOVE seeing the post of the BIG payment I make once a month).
Third, one of my testing gigs has had some human resources turnover, and it seems to have occurred with their payroll department. They are a couple of checks behind.
The good news is that while October has appeared to be a lean month, I think it will end with a BANG. I just have to be paitent and wait for it.
:-)
God bless.
First, I chose to take a portion of my income and put it towards a home improvement project that we've meant to do for years. Although this seemed like a very practical choice, I missed not being able to post that I'd used that $ for a credit card payment.
Second, I started a new testing gig, and it only pays once a month. So, once a month there will be a BIG payment post, but again, I miss the momentum of posting 2-4 times a month that I've made payments. (However, I will LOVE seeing the post of the BIG payment I make once a month).
Third, one of my testing gigs has had some human resources turnover, and it seems to have occurred with their payroll department. They are a couple of checks behind.
The good news is that while October has appeared to be a lean month, I think it will end with a BANG. I just have to be paitent and wait for it.
:-)
God bless.
Wednesday, September 19, 2007
$1,632.35 to CC!!!
Today I made a MONSTER PAYMENT to the credit card. I made a business decision a few weeks ago that I should return what Mary Kay products I could to Corporate for repurchase. I made this decision for the following reasons:
1. I had not been working that business since beginning as a test proctor.
2. I could not work BOTH as a test proctor and as a Mary Kay consultant (too much time).
3. I was making more money at my test proctoring than I had been as a MK consultant.
4. If I wasn't selling what I had in my inventory, I didn't want that product to go to waste.
It made sense to send back what I was able to send back, and put that money to good use paying off debt.
Having done so, I am now just a few hundred dollars away from PAYING OFF, and CLOSING this account!!!
My next test proctoring paycheck should cover this...so, that debt WILL BE PAID OFF BEFORE OCTOBER!!!!
Yeah!!
1. I had not been working that business since beginning as a test proctor.
2. I could not work BOTH as a test proctor and as a Mary Kay consultant (too much time).
3. I was making more money at my test proctoring than I had been as a MK consultant.
4. If I wasn't selling what I had in my inventory, I didn't want that product to go to waste.
It made sense to send back what I was able to send back, and put that money to good use paying off debt.
Having done so, I am now just a few hundred dollars away from PAYING OFF, and CLOSING this account!!!
My next test proctoring paycheck should cover this...so, that debt WILL BE PAID OFF BEFORE OCTOBER!!!!
Yeah!!
Friday, September 7, 2007
$400 to CC
Paid $400 to the credit card today!!!
It's time for a countdown:
Balance before this payment... $3,164 (and some change)
Minus $400
New Balance:
$2,764.00!!!
It's time for a countdown:
Balance before this payment... $3,164 (and some change)
Minus $400
New Balance:
$2,764.00!!!
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