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Just Sucker Punched CC4

March 30th, 2018 at 07:39 am

Just paid over $300 on the Target 🎯 bill, my new balance is $349.61. I should have this sucker paid off by the end of April, thank you Jesus.

I pulled my credit score with Transamerica and it was 698, not bad. Think my high score was 702. I noticed that as I pay these suckers off it's creeping back up. The jump is due to the decrease in high balances.

Back to Target, I'm going to be really annoyed if my payment isn't posted right away. They have a tendency of holding high payments. They actually suck, you can only make like two payments in a 7-day period, you can't add decimals. For example, I'd budgeted $348.76 but had to round up. No big deal but I like a balanced budgets, no over budget items just under. And lastly they hold large sums of payments. They make it extremely difficult to get your balance down.

It's 3:29 am and I've already spent the following:
* $196.08 Tithes - not negotiable
* $20 vacation club (savings)
* $211 JCP - minimum payment that include my AAA purchase
* $349 Target - debt snowball

Though a lot has gone out and I haven't cut the rent check yet, I'm thankful because one, I never thought in a million years that I could and would be faithful with my tithes. Secondly, with my raise and paying down debt, I've freed up over $500 a paycheck. Right now all you see are the payments but I'm about to add a total of $107 to my savings. All I think about is, when CC4 💳 is gone that will be another $50.

I'm so overwhelmed with mix emotions. I'm upset that I'm on this journey once again and I'm glad that I'm doing what it takes to no longer be slave to the lender.
I know it takes time and that I'll get there

Posted in Emergency Fund, Reaching Financial Freedom, Debt, Goals | 7 Comments »

7 Responses to “Just Sucker Punched CC4”

  1. Carol Says:
    March 30th, 2018 at 10:00 am 1522404008
    1522404008

    Amber, you have been working so hard and with such focus-- good for you!

  2. Jenn Says:
    March 30th, 2018 at 10:56 am 1522407385
    1522407385

    It's fun watching your debt get tackled. I look forward to your posts more and more.

    It's tough now, but it's making you into a strong woman. Continuing to cheer from the sideline!

  3. creditcardfree Says:
    March 30th, 2018 at 12:10 pm 1522411810
    1522411810

    Yay! You are doing great!

    I do remember the no more than twice per 7 day period with Target, but I know I make payments with decimals all the time. How then are you supposed to get your balance to zero?! I don't shop at Target like I once did since it's not as close to my house, so I usually have totals less than $100 and pay them off in full.

  4. Amber Says:
    March 30th, 2018 at 12:23 pm 1522412631
    1522412631

    Hi CCF,

    It might be phone thing, I pay my bills on my phone first thing in the morning

  5. LuckyRobin Says:
    March 30th, 2018 at 08:49 pm 1522442962
    1522442962

    You may need to go in in person to pay off the last bit if they won't accept anything after the decimal point.

  6. creditcardfree Says:
    March 30th, 2018 at 09:12 pm 1522444374
    1522444374

    I pay through their website, you might try that. Also as I said I pay in full every month and can pay the cents.

  7. rob62521 Says:
    April 1st, 2018 at 08:27 pm 1522614453
    1522614453

    Bravo!

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