Ok I open up this new account so that I can pay my car principal online well we already know that isn't the case. Now I am waiting 5 days for this transfer of $20 into my new checking account so that I can withdraw the funds and close this account, this is crazy. Now I get my new CC which was suppose to 0.0% on balane transfers, guess what it a 3% charge or $10 which ever is greater. You have got to be kidding me, of course I cancelled that transfer. Also my contract says introductory rate through July 2008 (no date give)one would think the end of July right? Wrong July 2nd
It's funny because when you do the application online you're not told of the little fee but when you get the paper work in the small print there it is.
You know the old me would have never read the contract I was just happy to have a card but the new me hmmmmm I go through everything with a fine tooth comb

I have good news all around, my nephew came home today. He said he was doing much better and wanted to start work on Monday, I told my sister to go ahead and let him (try not to baby him) so I am happy; he's also not hearing the voices which is great

My brother paid me the $500 + an extra $30 so I was happy with that.

I added $100 to my challenge/home account $50.00 to my car account (for payments) and $20.00 to the principal on my auto loan and paid on my misc stuff like the cc in which I had dental work done

So today was a great day

Well I have not been adding to the challenge like I should but I did ad my weekly $25 deposit; new total $3352.85
I also added $148 to my car account, I firgured I still should be adding to this fund for any repairs or insurance etc that will be coming due that new total $756.11. I almost forgot I added$30 to my EF account and $50 to my IRA, paid $100 on the cc as well

I actually paid off all my CC's the earlier part of this year but had to use them for the dentist and my tuition. Anyhow on the 4th I called in regards to cc1 to cancel my account and was told if I did ,so until the balance was paid off I would be charged $3 so I decided not to close it and pay it off next pay check. Well guess what it was closed So I went ahead and paid oit off, thus far I do not see a charge for $3 but will be a little annoyed if next month I get a bill, the only good thing was I wasn't charged the annual fee ($69) or any finance charges because I paid it off

I know it is going to hurt my credit because I closed the account but I do not plan on buying anything soon and being the frugal person that I am now, I am not going to pay another company to use their card, when I can use another's for free

So new balance $508.82 (one clas plus a book) This will be paid off next month

I tried yesterday cancelling a cc that charges me an annual fee, well the idiot on the other line was unable to cancell my account and "tried' so he says to transfer me to another person, in which I never actually spoke with. I had to then get ready for work and and once I tried to call later that evening, of course the office is closed, I tried again today and of course the office is closed Now I have to wait until tomorrow and probably will be charged the $69, why didn't I do this sooner? darn it.

Again I made breakfast, lunch and dinner; so I added my $5 to my cc balance brining new total to $1268.65

I can not wait until this is paid off. Next week is payday so I can pretty much pay a third or a little more of the bill. I hate having cc debt

well I had breakfast at home as well as lunch and dinner is alreay in the making
So in order to get my cc down by the end of the month I am adding all my no spend day funds to the cc.

New balance $1274.37
I can't wait until payday when I can knock this in half

Today was a no spend day and I normally add $5 to my challenge/home account but since I have accumalated CC debt I added it to my credit card.

However, I did add my weekly $25 to my challenge today. I use to do this thing with my mom and family members where we all put in X amount of dollars and we each got a draw. I figured why not earn interest on my money and besides, that was a time when I couldn't save a dollar

New cc debt $1279.37
Challenge home balance $4055.43

As you all know I put all my dental work on the CC but my goal is to have it paid off by the end of June, so the challenge/new home account is on hold But I know I have to pay this off. Anyhow today I had breakfast at home and I alreay prepared lunch so $5 will go on the cc and I also hung out two loads a clothes to dry so that is $2 plus yesterday I did not eat out so that was another $5; all towrds the cc

New total $869.71

my cc is back up, I put my dental work on the cc next pay period I have to pay at least half, I refuse to pay interest. Now I have to hold off from the challenge and add every extra buck to the cc. I refuse to have cc debt
No way Jose

Well I got a cc offer in which I was approved no fees much lower interest rate from HSBC so I am closing my other account that I have a fee ($69 a year). I know this will hurt my score but I do not plan on buying a house for a year and I have no balances on anything not even my store cards so I am good to go, I hope either way I was planning on closing this card before my year in June. You know now as I am blogging I think this was a bad idea maybe I should not have answered the promotion, darn

Darn, I just checked on the my cc for some odd reason I thought I paid it off but I guess not. I must have missed a X-mas transaction and now I have to find the receipt because I am not sure of this transaction...I am sure I used the card since I was using it during the holiday and paying it off right away as goes, but how could I have missed over $47 now I have to add interest as well. I am soooooooo annoyed but I paid it and kept my goal for 2007

I just paid off my last cc, my mom was to give me the money for the microwave and i told her not to worry about it and consider it a X-mas gift...so I am prod to say I have no cc debt. This is the first I have always had a credit card debt, now I just need to work on my student loan

I finally paid off the last cc I had I am jumping for joy. The only problem now is my mom ask me to pick up a microwave and she owes me for ( I ended up putting this on the cc in order to keep everything seperate) and I also picked up a gift for her friend who will pay me back for her gift . So basically I have met my goal for 2006, no cc debt. However, I won't start dancing and screaming until I get my money from my mom and her friend

Today was a no spend day so I am paying a dollar on my cc debt/challenge. I also tried calling Macy's regarding my balance due which i show I have a $32.99 credit and they show $1.04 big difference but I was on hold for so ong waiting for a rep I just hung up. I have to call later

Well I added my weekly deposit of $25 to my challenge/new home account new total $150.08 I also paid down my cc debt which is a part of my challenge/debt account. Total amount paid $323.03 bring my new total for cc debt to $447.08. In two weeks is another paycheck and I am hoping to reach my goal of no cc debt by December 31st, that will mean I paid off close to $9000 in cc debt

That yesterday was a no spend day so I need to pay y dail buck to the challenge
New total $665.57

I was trying to make another online payment to cc3 because I ate out today and I needed to match this amount, well I was unable to because I have met my limit of two online payments for the month. Just two, come on you would think that the cc company would be happy I am making payments but I guess it is their way of accumulating interest at the consumers expense but that's ok because I will add this account to my online bill pay through my bank which allows me to make as many payments as I like

Ok I am starting on cc number 3, so I paid a dollar on it today (it was a no spend day)Once I return the boots that I bught on impulse I will owe a little more than $500.00

New total $666.57

I ate out again so I had to match this amount and pay on my cc in order to get my cc debt down. So I paid/added $9.29 to my challenge/debt account brining my new total to $667.57 (this include the boots that I have to return $149.35)

Well I paid off cc 2 but then went and added a pair of VS boots that have been on my mind $145 Iknow $145 for a pair of I think I may return them... so I am not too happy right now

I did eat out today (breakfast)but I am still adding my dollar to the challenge/cc debt. I don't know I feel obligated
New total $771.73

One day I will be debt free and will be doing the happy dance

However, today was a no spender, so of course I paid another $1 on the cc/challenge new total $772.73

Added $2.68 to the challenge/debt by round up my change brining my new total to $773.73

Another no spend day so a buck goes towards the debt...yippie. Slowly but surel I am knocking it down

New total $775.41

Today was a no spender, so we are adding/deducting a buck from the debt
New total $776.41

Added my weekly $25 to the challenge cash account for the week of the 12th. Also added $4.27 to my challenge/debt (ate out today) brining my new total to $777.41. I can not wait until this amount is zero

Added my weekly $25 to the challenge cash account for the week of the 12th. Also added $4.27 to my challenge/debt (ate out today) brining my new total to $777.41. I can not wait until this amount is zero

You remeber that cc that I paid off before the end of my billing cycle...well they hit me with $25.00 interest. Is this legal? I paid the card off before the next billing cyle...I am red hot right now are there any recourse, I did close this account because the interest was way too high. Now instead of my lovely blance of $758.68 it's now $781.68...crooks

So I paid another dollar on the cc debt new total:$759.68