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Stupid credit cards!

May 10th, 2008 at 12:03 pm

Ugh! Okay so I don't have that much CC debt... but it's enough to drive me crazy.

Okay so I did the post-it thing where I write down the balance of my card and stick to the front of the card. This way I know what I put on the card. Well it worked to an extent. However... then I was looking over what exactly I purchased in the past billing statement. It was mostly restaurant/food purchases. I need to stop eating out! I really really do. Today this has to stop. It's not like I can leave all my CCs out of my wallet because I like to carry one just in case of emergencies... like I'm stranded somewhere and I don't use my debit card.

I would like to get to the point where I don't have a CC bill at all... at least for a month, then I'll truly know how it feels to be 100% out of CC debt.

So today I transfered another 155. from my car savings acct to my CC. I don't know why it's easier to part with my car savings acct money than my other accounts... probably because it's my newer account and I think like LIFO... Last-in, First-Out. This should satisfy me until I get my rebate.

So new balance on savings #3... $700. Frown sad to see it go down... but I rather my CC be closer to zero. A minor set-back to my plans, I'll get this back up shortly... with my automatic direct deposits to this account.

I may have to re-look at that.

200 - student loan pymt for July (May & June payment already saved for in CKING ACCT)
150 - parents for June
65 - cell phone bill for June (already paid May's with last paycheck)
50 - savings #2
135 - CC bills... I don't want to look at them anymore! Frown

*** correction to my Roth IRA... the amount I've actually contributed is $1500. And the reason why my stated balance before was $1570 was because I have a self-directed brokerage IRA account. so the 70 was from the stocks in my account rising. So I'm adjusting this back to just the amount that I contribute, because it's easier to keep track up that way.

*** my challenge for the Month of May***
I always need to work towards something.
-have my 4 Credit cards total balance be below my last months balance of $650.
-even though savings is tough on a tight budget have a least a net savings addition to be at least $100.

until next time... hopefully no more set backs between now and then. Smile

2 Responses to “Stupid credit cards!”

  1. honeichild Says:

    Eating out is something I was guilty of this week. I usually bring my lunch but was too lazy to go to the grocery store. It's amazing how the little things add up so quickly.

  2. disneysteve Says:

    If you have a balance on a CC, you should not be using that card to make any new purchases. If I'm reading your post correctly, it sounds like you are continuing to use your card even though it has an unpaid balance.

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