I’m having a great time with Financial Peace University Online. I feel empowered all over again and know we are doing right. We had the mini emergency fund - need to build it back up again - and are doing great paying off the debt and not using credit cards.
I’m glad to be able to [...]
The past couple of months we’ve been doing great with our credit cards. We typically make a large payment onto it, buy groceries, gas, etc., and then come home and pay the credit card again whatever the groceries, gas, etc., cost. We are earning airline miles (I know, it will take forever for us to [...]
The payment for my DH’s credit card has cleared and it has a zero balance. That will be the last time we ever use a tax return (or any other large amount of money) to pay it off. He was carrying the card in his wallet but took it out and put it in his [...]
Before the holidays I mentioned that we were only going to pay the minimum payment on our credit cards. We are now back to not doing so. We will pay double the minimum on both of them this month. Granted, that is still not that much considering the total bills. But we will get them [...]
Okay I have no idea where to even start looking for information about this, but I will later today.
I got a phone call from my credit card company - it was MBNA, sold to Bank of America (or marged, whatever happened with them). I’ve had the credit card for 8 years now, I used it [...]
Target is paid off!! YES!
Okay, so after having the bonus for more then 24 hours, I felt okay to start paying bills. It’s always unsatisfying to have the money immediately leave the account - but I’m getting over that.
Bills Paid:
2nd Mortgage, extra groceries, yearly exterminator, cat neuter, cat meds, two credit card payments, remainder of super high electricity bill [...]
Well, our bonus arrived overnight. We have approximately $4000 now. Of course I would like to restock our sad looking pantry and we have an exterminator bill we have to pay or they will double it. Funny how all of a sudden bills come up when you are expecting money. We were hoping to pay [...]
So in the Debt Update, I told of all of our debt.
I am interested in how scared people are to talk about their debt. Me putting it all out there helps me realized that it shouldn’t be scary. Yes we made mistakes, not they are not (thankfully) life threatening.
Anyway - debt history.
I’ll just go down [...]