Paid another $1.03 on cc because it was a no spend day

Previous Total $2305.74
New Total: $2304.71

Wow, it's payday and I had a total of $49.00 left over I also paid all my bills that are due next month and now I have $200.00 left even with the extra $172.20 on cc's so I am tapping myuself on the back

I spent no money today other than my MD visits and prescription which are both fixed expenses so I added a buck to the challenge (cc debt)

well I rounded up the change in my personal accoun and added a $1.53 to my cc debt. I am happy because this week is payday (from both jobs) and I have a ton of money left over...yippie
New CC debt total:$2537.78
Challenge debt $215.90

Had to match funds today, so I paid $10.00 on cc. I will definately cook dinner tonight...what an expensice week

Today was another not spend day so I added another buck to the challenge/debt brining my new total to $2572.59 and then I added $.59 to the challenge/home account brining my new total to $26.96
I have to keep remebering that every little bit helps

I just do not know how some people do it. I am in about $3500.00 worth of debt and it is driving me crazy, every time I look at the numbers. Some people just don't have a care in the world. Any extra few dollars I get I am trying to pay it towards my debt..it is driving me crazy. I know some may say use the money in my EF but I do not want to use it in case I actually have an emergency and then have to use the CC. Anyway I paid another $5.05 on my debt/challenge so I am feeling a little better but I know now if you can't afford to pay cash then I guess I don't need it

Well I went out for lunch yesterday with a co-worker, my intentions were not to eat out for the rest of the month but it is only day 7 of the month and I had lunch out. Atleast I saved $.90 with a coupon and then added $7.44 to the cc debt/challenge in order to match what was spent eating out

I never experienced paydays when I am not broke. Since I have taken on this seriousness with my finances I always seem to have some cash left over until the next pay period. I just checked the bank and my funds are there from the part-time job ($234.90). So to even everything out I paid $34.90 on the cc debt.

Previous total: $2584.36
New total:$2549.26
Challenge total:$393.15

Ok I paid another $19.01 extra on my debt. Tomorrow is payday from tmy part-time job so I rounded up the money in my personal account to make it an even $200.00 so of course I use the extra funds on the cc yippie!!!!!!! Anything extra I am either saving in my challenge saving account or putting it towards my challenge debt account, so things are looking up

Previous total $2603.37
New Total: $2584.36

Total applied to debt challenge:$358.25

Well I paid an extra $115 on the credit cards So I am happy. I also paid an extra $20.00 on my student loan

Extra Debt Payment/$20 Challenge Total:
$359.24

I closed my high interest cc with the monthly fee of $4.00 just for having their account. I decided that I may as well close it then that way I am not tempted to use it. I am sure my already low score will go lower since I close this account but I am not ready to purchase anything in the future any time soon so I guess I am ok. Simply closing this account has given me some feelings of freedom so I am happy. Now I have to work on paying the balance. When I was asked why I was closing and being that I have never been late in the last 4+ years that I actually had the account you would think they would have offered me a low interest rate with no fee but instead they just simply closed it, but I am free

I am annoyed because my boss wanted to go to Sweet Tomatoes since she missed the free lunch on Friday. Well of course I did not bring in any lunch because we were going to Sweet Tomatoes, well I be...I get here and she is leaving at 12 and will not be having lunch so I ended up spending $7.73 on lunch that I did not want to eat in the first place (well spend the money that is) Then I go there (Sweet Tomatoes) and there is no where to park the cops are giving out tickets if you park in the lot next to the restuarant..lucky for me I did not get ticket. I then hand the girl my coupon and was told they do not accept coupons, now I am more annoyed. So to make a long story short I round up the change and added 7.00 to the cc debt a total of $7.03 (matched the money wasted)

And I started the day off right, "no spending" so I am adding a buck to the cc debt. This is the month that I am taking frugality by storm. I plan on not eating out at all except for Monday, I promised the boss we can go over to Sweet Tomatoe since she missed the free lunch on Friday (me and my big mouth)but atleast I am not paying for her, it's every woman for herself. Also my goal for the month is to cut CC debt in half and up EF to $1500.00.

Previous CC debt $2726.39
New toatl:$2725.39

Today was another no spend day so I paid another buck on the cc.

Total: $2726.39

I was checking my ING account and notice that I actually tansferred a total of $1274.17 in order to pay down cc debt, so I guess I am making some progress not to mention all the extra's I have paid thus far, that was in a different account. I had about $8000.00 in debt when I started working on gettig it paid down/off in December of 2005 so looks like I really should be happy

After balancing my HSBC account I notive that I did not account for the interest incurred on my cc for September but that is ok because I paid $25.00 on that card and another $14.00 on the high interest card

Total for challenge/cc debt $52.22
Previous Balance:$2754.85
New Balance:$2727.29

Well I did forget, the college allos you to pay 50% the first part of the semester for tuiion and 50% midway through. Well I forgot I owed $370.30 and had to add that to the CC thank God payday is next week. But I did pay $2.60 on the high interest CC. Seems like when you make a step forward you always go back two
Previous total $2387.16
New Total:$2754.85

Ok I am doing pretty well I did not spend any money today so I am paying a buck to the cc company/challenge

Previous Total:$2390.34
New Total: $2389.34

Oops in checking my account I actually owe $2387.16 that's even better

Today was a no spend day so I am adding 1 dollar to the challenge/cc account
Previous total:$2392.34
New Total: $2392.34

I need to start keeping track how much of my challenge money is used towards CC debt and how much I actually stash away, right now I have been paying the cc debt

I came home on break to fix a quick lunch (sandwich) before heading to class well some one ate the last slice of cheese. So I did not have time to actually cook so guess what i had to buy some. $3.16 wasted but I did match this amount and paid on the CC which is now reduced to $2389.15, prevoious total $2392.34

Today was a no spend day, my co-worker treated me to lunch that was nice. So I decided to add a dollar to the challenge and pay my CC a buck. I wanted to see if it would allow such a small transaction and I was really surprise it did so I am down by a buck

New total $2392.34

Just paid another $15.00 on my cc because I had to but a notebook cover again,( lost the other one before I even used it) anyway since I am considering this wasteful spending I am matching this amout and paying my CC

New Balance:$2393.34

Well I spent money today on lunch $7.97 so I am matching this amount and paying on my cc

$7.03 added to my challenge which is my cc debt

Previous total $2415.37
New total: $2408.34

just got the check from the part-time job $235.23 so I paid $35.23 on the cc, normally I would have added to the challenge but I made my cc debt my challenge.

Previous CC Balance:$2450.60
New Balance$2415.37

Wow, I know I am on track because in the past when I got a bill in the mail I was never able to pay ASAP and I did today, what a really nice feeling. I also paid extra on the CC so today's spending

Car insurance(3 months) $207.43
Electrcity $163.28
Home phone $40.75
CC2/Challenge $51.36

I have decided rather than putting the extra money into a separate account for the challenge, earning less on interest versus the interest on the cc I will use anything extra to pay CC, so that's my challenge

New cc balance:$2450.60

Now that I have regained focus midway through the month I am back adding to the challenge, so I paid $24.63 on my high interest CC giving me a new total on this card $1271.85 I can not wait until payday so I can get this thing down to atleast 3 digits but my overall cc balance remains high $2516.96 but I am keeping a open mind since payday is right around the corner for both jobs

Since school has started my CC debt has jumped back up. I had to buy books and a new notebook which was more of a want, but it has worked out because while working at my part-time job (16 hours a week) I study and the notebook has helped tremendously with my lab assignments, I also work on the lab work on my luch break at the other job so this was a great investment. I could not afford the warranty but the guy who I take my desk top to is great. But payday is Tuesday and I plan on paying off the textbooks and the computer that was charged so it should all work . Atleast I was smart enough this time not to use the high interest cc

My brother lent me $3000.00 to get a car, well as you know I did not get the car. Well I was thinking about giving him back $2000.00 and using the other $1000.00 to pay off the high CC (33%) and pay him the $300.00 a month that we agreed on. Let me know what you guys think

Ok I went to get an alignment today but my mechanic deos not do them so now I have to wait until next weekend and take it to another place, like Tire Plus or Tire Kingdom. Anyway I decided to add the money that I may have paid for an alignment to my CC acount...well a little less because I had originally set aside $75.00 for this. So I paid $49.17

Previous Balance:$1221.96
New Blance:$1172.79
Overall CC Balance:$1765.07

I can't wait until I am at 3 digits instead of 4 for a balance due on this card