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Archive for February, 2016

Credit Card Debt Paid!

February 12th, 2016 at 12:31 pm

Today I paid off the full balance on the credit card! Woohoo! It's particularly important because we went from 0% interest to 23% starting this month. Nice try credit card, but try charging 23% on a 0 balance! The next couple of weeks will be a little tight, but we know we can make it through. So the next thing I'm wondering is if I should tackle the $3k hospital bill (at no interest/right now it's broken down at $150/monthly until paid off) or start hacking away at the 54K/plus student loan that has 4.5% interest? Ideas?
Anyway,I lost 5 pounds, which is nice, but some days it's so hard, particularly with the wine too. Also, as silly as it sounds, it's hard to make friends as an adult versus being a child. I'm also trying to join groups/hobbies that I like and hopefully it will get going from there. I'm being very aware of the types of people coming around since I seem to attract the needy ones.
Today is a good day though. It's sunny and knowing I don't have a huge credit card balance feels amazing!

Got a part time job!

February 5th, 2016 at 07:49 am

Despite car set backs and our bills, we are still in the green with our bank account, with $300 in the emergency account as a small back up as we build that back up. I also got a job to help alleviate some of the weekly bills. I'll bring in around $70 after taxes for a part time job, but hey, that's groceries or gas or emergency as we pay off the last chunk of credit! We've been watching the dollars every day! I also paid a huge chunk of the credit card bill and I think I can pay off the rest next week! I think I can do this because I got our monthly hospital payment lowered so I can throw as much in to the credit card. There is no interest on the hospital bill so that makes things a little easier. I've also been avoiding thrift shops and am slowly getting into the old clothes after the baby. All I can say is that it is all the little things that are adding up to make a difference, whether it's the food I eat to lose weight or where the money goes weekly. I've also been making a conscience effort to make new friends (higher quality people that don't complain or play victim and people I have more in common with).It's a slower process since I'm finding that many like to play the victim route or make excuses. However, I'm super grateful for platforms like this!