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Today is Payday

June 18th, 2010 at 04:45 pm

I started out the day with $1235 in my checking account and now it is down to $121.86. Kind of depressing. In actually there is $500 in there, but I have already deducted the amounts budgeted for gas and spending money. By deducting the amounts, it keeps me from overspending because my brain thinks there is less money in the account.

My mom said that she would probably be able to help me next month with my shortfalls in the budget. That would be a relief. I would love to cash in a week of my vacation, but it just isn't a good time at work to do that.

I have made a decision about dept repayment. I am going to throw at least $100 per paycheck at debt. That is $200 per month(except for July which has 3 paydays). I know that is not alot, compared to what some of you throw toward debt, but it is all I can spare right now. I also decided that once Chadwicks is paid off(2 more payments...yippee!!), I will start paying toward the property taxes. The taxes seem to get forgotten so I entered them into my quicken so I can remember them. Making my first payment to them in July. I really can't wait to pay off this debt. Wish I had been this serious about it long ago.

Posted in Misc Thoughts and Updates | 5 Comments »

5 Responses to “Today is Payday”

  1. ceejay74 Says:
    June 18th, 2010 at 05:18 pm 1276881536
    1276881536

    Yeah, when I think about where I COULD be if I'd been better about finances years ago...but we must draw a line between learning from our mistakes and dwelling on them! You're taking smart steps to improve your finances now, so you'll be better off than if you had never learned any financial lessons. Same with me. All we can do is proceed into the future; we can't change the past!

  2. creditcardfree Says:
    June 18th, 2010 at 07:33 pm 1276889590
    1276889590

    You are doing better than the past and that is great! Keep up the good work.

  3. HouseHopeful Says:
    June 18th, 2010 at 08:57 pm 1276894624
    1276894624

    Every little bit towards the credit cards helps. $200 is a good amount!

  4. jolie Says:
    June 19th, 2010 at 12:58 am 1276909086
    1276909086

    You are making the minimum payments AND paying extra. That is success in every way shape or form so please don't belittle your progress. I think you're doing great and you seem soooooo much happier these days.

  5. Elisabeth Says:
    June 19th, 2010 at 11:30 am 1276947024
    1276947024

    Congrats on your progress. I remember when I was paying off credit cards and as each one was paid off I wanted to dance with joy and have a party. You'll get there!

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