August

Wow...another month gone! August was NOT a good month for me financially! Both of my daughter's birthdays and my nephew's birthday, not to mention back to school. Unfortunately, I did use my credit card this month :( Not too much, but it was definitely a step back. DH has been working a little more, so that has helped keep things from getting totally off track. We are both working Saturdays right now - for me, though, it is just making up time lost with having to take DS to school and leave in time to pick him up from after care. Now baseball is starting, so that'll be even more time to miss work to be at games/practice...it's o.k. though...I do enjoy watching him play. I think September will be a good month for paying down - at least I'm hoping! We got a letter from Wells Fargo saying that we would be charged a $35 membership fee unless we wanted to close the account and pay it in full before the end of September (wtf?)...not sure if this is possible, but I'm going to try. I could take the money from the emergency fund that I just now was able to get to the $1000.00 threshold...not sure I want to do that, though! After all...what if I have an emergency?? Ha!Ha!

July 2010

Well, it's been a while since I decided to make this blog. I haven't posted since the initial setup, I prefer just to follow. But, my goal was for this to maybe make me more accountable for my debt payoff. Reading everyone else's blogs certainly helps. I have been using credit WAY less than I did prior to 2010! I almost always use my debit card for any purchase. I'm obviously still buried, since I'm starting with such a large number, but I think I'm doing really well. I've PIF all of my department store cards - Macy's was really hard to let go :) And I only have $970.00 left on the Chase MC that I've been wanting to pay off forever - they raised my rate to the "default rate" a couple of years ago because I was a day late with pmt a couple of months. So, that made me very bitter towards them - and I am almost rid of them! I know, I made my bed and all, but still! Unfortunately DH is not getting as many hours as he once did, so that is putting a little bit of a damper on my plans. I am trying to work as much as I can, but with one still in elementary, that is only possible to a certain extent. Thank goodness, I still have the opportunity to work as much as I want, but it still doesn't make up for the difference in his pay. I am truly "muddling through".