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CC4 Will Be Paid Off Next Week

April 5th, 2018 at 07:13 pm

I've been on a very strict budget, for me that is. Today I went over my dining out/fun money by $6. But hey, I felt like Chinese.

So due to my strict budget I have not gone to the salon 💇🏽. Honestly, I look a mess, but I'm focused on my credit cards. There was a time I was going every week. I had budgeted for the next budget period, a $100 to see the beautician, it's actually about $110. Long story short, the SO came home tonight and handed me a $100 bill 💵. I was so excited but I knew I had to ask, "what's this for?" His response was " go get your hair done."

I had mixed emotions, one I was hoping he would have said do what ever, two I thought maybe he was paying a bill early (he's been caught up and doing very well lately). But when he said hair, I was sort of bumped. I wanted so badly to use the money for CC4. I know I still can, but at least when I get paid next week I won't have to use my money and I can still add to the CC. I know deep down, getting my hair taken care of will definitely up my spirits.

After he walked out, I looked at my budget, cut somethings, and low and behold, since I'm not spending the $100 on hair, I can and will be paying off CC4 on April 13th. I'm so excited I can scream. What a feeling, I can't even explain it.

Four credit cards down since last April and three since starting the Dave Ramsey plan in August. I'm averaging one credit card 💳 every two months since August. Yes!

Next I should be able to knock CC5 out before June. Wow, my goal was to pay off one CC every quarter and we are only one month into to second quarter. Feeling super excited!

Tonight I remembered my word of the year, gratitude. I'm so thankful to be on this journey, though I'm stressed at times about my finances, seeing those balances shrink feels so good.

Thanking God for his grace, guidance and love without Him I couldn't have gotten this far.

6 Responses to “CC4 Will Be Paid Off Next Week ”

  1. LuckyRobin Says:

    Woo hoo!

  2. Turtle Lover Says:

    you are doing great! I am still thankful that you are sharing your journey!

  3. creditcardfree Says:

    You really are doing fantastic! You have some big balances and you are kicking them to the curb. So very nice of SO to pay for you to get your hair done, I'm sure that will feel good. Enjoy!!

    I know Budget Girl (on YouTube) would reward herself at certain milestones of debt payoff. She was uber frugal paying off $30K of debt in about three years on less than $30K of income.

  4. FrugalTexan75 Says:

    You go Amber!

  5. crazyliblady Says:

    Your SO sounds like he is getting his act together, not to mention being kind enough to recognize that you needed to get your hair done. Are his personal finances improved also?

  6. rob62521 Says:

    Woo hoo! Keep up the good work!

    Your story reminded me of a story my dad used to tell about his mom. His mom remarried a man who was very stingy. Except when they would go out to eat where they would play pinball machines (this was many, many years ago -- my grandmother died in 1963.) Anyway, he would give her some money to play pinball and go play himself and she was very good. She could squeeze a lot of play out very little and she banked the rest and saved the money to buy some decent dresses. He only wanted her to shop some cut rate place, but she would order a dress from the money she saved from the pinball machine and he never knew the difference.

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