It's about 1:10 am here and I have been cranking away at this stuff for the past 3 hours. Needless to say I am real tired.
Budget:
I recalculated my budget for the month of July and August. After all bills are paid, I will have about $800 to apply towards my credit card debt. The budget is only the the next two months because I did not include my daughter's school costs which I am not paying right now. I'll edit my budget to include that expense once she gets back and I find out what the rate will be for this school year.
You probably wondering why gas or groceries are not included in my budget. Well I have decided to pay for those out of my spending account. Right now I do about $150 or more with cash duck. I am pursuing a few other venues to make extra money and majority of them seem like they will play out nicely (I'll do a post once I am 100% sure). I also have yet to try that whole notary thing. I will attempt this for the next two months and see how well I do. If I can bring in enough to take care of those two then they won't be included in my budget.
I created a credit card debt profile. Looks like I charged back more than I first thought. I almost had a seizure when I saw the total. UGH!
To think I was around $5000 in February. *shaking head* Anyways, I get paid on 7/16 and after all bills are paid I will have $500 dollars to apply to my debt. I pointed out the 3 cards I will be paying off then.
After redoing my budget and creating the cc debt profile I realized I would need to revisit the personal finance goals I had set for myself and see if they were still achievable. I had to push back majority of the due dates but everything looks attainable in the time period that is now set.
I feel accomplished in a way. I finally have a solid plan. Before I was just running with it. Or maybe I was running from it. Putting up a front like I had everything under control. After a while you can't fake the funk anymore. Debt is a disease that just won't disappear. You gotta eliminate it..........or better yet annihilate it like a D.C. said. ;-)
Night yall.
Budget:
I recalculated my budget for the month of July and August. After all bills are paid, I will have about $800 to apply towards my credit card debt. The budget is only the the next two months because I did not include my daughter's school costs which I am not paying right now. I'll edit my budget to include that expense once she gets back and I find out what the rate will be for this school year.
You probably wondering why gas or groceries are not included in my budget. Well I have decided to pay for those out of my spending account. Right now I do about $150 or more with cash duck. I am pursuing a few other venues to make extra money and majority of them seem like they will play out nicely (I'll do a post once I am 100% sure). I also have yet to try that whole notary thing. I will attempt this for the next two months and see how well I do. If I can bring in enough to take care of those two then they won't be included in my budget.I created a credit card debt profile. Looks like I charged back more than I first thought. I almost had a seizure when I saw the total. UGH!
To think I was around $5000 in February. *shaking head* Anyways, I get paid on 7/16 and after all bills are paid I will have $500 dollars to apply to my debt. I pointed out the 3 cards I will be paying off then. After redoing my budget and creating the cc debt profile I realized I would need to revisit the personal finance goals I had set for myself and see if they were still achievable. I had to push back majority of the due dates but everything looks attainable in the time period that is now set.
I feel accomplished in a way. I finally have a solid plan. Before I was just running with it. Or maybe I was running from it. Putting up a front like I had everything under control. After a while you can't fake the funk anymore. Debt is a disease that just won't disappear. You gotta eliminate it..........or better yet annihilate it like a D.C. said. ;-)Night yall.
Comments
Thanks. Your trip is like a honeymoon and you guys deserve it. I still wanna do the NSA thing. It cost $100 to become a notary. I am looking for a company with a lower price. And then I have to figure out how I will pay for it. I'll keep you updated.
@ savingdiva
Thanks. I hope I can stick to it.
And once you pay off those ccs... shove them deep in your draws drawer!!!