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".