I just got my CC statement in the mail and realize my CC balance after I paid the $412.00 is not a total of $1935.93
but $2004.66(2 cards)I was charged $56.78 for interest and $4.00 monthly fee which equals $36.00 a month. I know this is crazy but because my credit was bad I was just happy for a card and now I think this is ludacris once this thing is paid off it is closed asap. $242.00 of this balance went towards school and will be paid off this week

It has been bugging me since yesterday so I decided to tak the money out of my $20.00 challenge account and pay towards my high interest CC (30%)and I am earning only 4.35% so it's back to sqaure one for the challenge

New total: $3.00
CC debt:
From $2348.88 to $19935.93 I also plan on paying another 300.00 or $400.00 on Thursday (payday) . I am just so sick and tired of debt

I just tried paying the $123.97 on my CC well I looked at the limit which was bumped to $1050.00 it's very small compared to some but it is a huge accomplishment for me I am happy.

Well because I have poor crdit I have to pay HSBC a $69.00 annual fee ;( The balance on this card was 0 dollars now I just upped my CC balance. It's not due until the 20th So I will wait until the 16th to pay it off. I can't wait until I am debt free and my score is up so I do not have to worry about these silly cards

I do not care what any one says D. Ramsey's plan work. I think working from smallest to largest paying off debt works. Yes it is a mind thing but it keeps you motivated. I paid off another CC ($650.28)and got 1 more to go and then I will work on the charge off (445.00 cc) and the cell phone ($750.00, I go t this for my ex, never again will I be a fool for love)

Now I will be unable to add my weekly $25.00 to the challenge and $20.00 to my personal/me account but at this point I do not care because my cc is paid off


New CC balance:$1999.76

I am soooooooooo happy

Well it feels really good to cut a check as soon as the bill comes in the mail. I received my CC2 bill today and paid $28.00 on it (amount due, minimum is $20.00) I only paid a little more than the minimum but next week is payday from job #1 and I plan on paying at least $200.00 on this $678.00 bill, I was really hoping to pay it off but because now I need dental work (finishing what I started) I paid $100.00 yesterday to the dentist to have a credit so that when I go on the 1st I won't have to pay so much for my crown

Previous CC Balance:2715.47
New Balance:$2694.16

Well since my sister never cashed the check for $150.00 I decided to pay extra on CC2 since I am trying to pay it off tne month of July. So I added $75.00 decreasing the balance from $746 to $671.00

Old CC Debt for curent accounts:$2690.32
New balance for curent CC debt: $2615.32

Ok just entered my paycheck into my register not including the part-time job'spay and paid all bills even extra on the cc's. So here we go

$75.00 EF
$30.00 Misc Account
$20.00 Personal Account
$20.00 Eduction account
$20.00 IRA
$25.00 Challenge/New home account
$134.54 lights
$40.00 water bill
$20.00 Tithes/offerings
$40.22 on CC 1 ( bal: $1944.32)
$40.00 on CC 2 (bal $871.00)
$40.00 C-phone #1
$52.00 C-phone #2
$39.85 Cable

Previous balance on CC:$2895.54

Well I was trying to beat the CC interest rate and pay off my cc at $406.00 but no such luck. My billing cycle ended 6/19 one day late so it cost me $411.13 to pay off this cc but atleast it is paid. So now I am down from $3302.44 in CC debt to $2895.54 which I am sure will be more than that because of the interest accrued but my goal is to have them paid off by August and then I can really start saving for me a house and a car(thank goodness my car is still running). I do see what every one means by paying off cc first, what sense does it make to earn 4.75 or less in a savings account when I am being charged 18%+ on CC debt. So I am glad I am able to pay off off my debt. With out God , you guys and my part-time job I would probably not be even close to debt free or home ownership the way I am now
Thanks

I have more problems with my full-time job and payday more than anyone I know. Well we got our paystubs and my check was $1089.99 about 12.00 less than I calculated and I got my reimbursment for marketing at total of $63.90 but guess what the $1089.99 won't be deposited until Monday because that is when the check was dated, nice. So I decided to post date all my online payments and I figured I will pay the following
$40.00 Home Phone
$40.00 C-phone 1
$40.00 Cable
$130.00 CC1 (paying extra on this)
$75.00 EF
$20.00 IRA
$30.00 MISC Svg
$25.00 Challenge
$20.00 Education account
$20.00 Personal Account
$20.00 Tithes
$35.00 Renewal for Sam's Club
$328.93 CC 2 (Paid in full, thank God)

Well I did it again, I paid off a CC..Target. The balance was only $4.25 but that is another item on my credit report with a zero balance and no slows pays or tardiness I am so happy becaue now I know I am getting serious. I also transferred $1.25 to the challenge brining my total to $44.66 I am hoping to reach $100.00 the end of this week and another $100.00 by the end of the month

Well I went ahead and paid off CC5, $125.84, I figured it is better than waiting until next week (payday)especially since I am in attack mode. Now I only have 4 more to go and next week (payday ) I will pay off CC6, $944.67

I usually calculate my hours a few days before payday (well in this case a week) just to see where I am at and what to look forward to. Well all that complaining I did about paying off that cc was a waste of time and energy becsause this is one huge check...a total of 104 hours yeahhhhhhhhhh!

Now I figure, after taxes I should be getting about $1100.00 (Yeah!!!) plus an additional $228.00 from the part-time job
Anyway here is what I am looking at :
Water & Sewage: $40.00
C-phone#1: $40.00
Home Phone: $30.00
Cable: $40.00
Savings #1: $75.00
Challenge: $50.00
IRA: $15.00
CC2: $33.00
CC:3 $52.00
CC4: $20.00
CC5: 125.00 (paid in full)
Sam's club renewal: $35.00
Dental Ins :$12.00
Leaving me with about $761.00
Now I am thinking if my brother pays me what he owes me ($265.00) I can use this amount + the $761 to pay off cc2 ($944.45) leaving me with $82.00 for two weeks but at this point I do not care because I am sick and tired of these bills and I am not sure as you know how long my car will be around and I sure don't want a lot of bills if I get a new car

As you all know I have two charge offs on my credit one was a CC in the amount of $444.00 and the other was a cell phone account $750.00 ( got for my ex, that is why he is an ex) any way the account has since been sold again to a new CA , the credit card account. Well I was offered a settlement the problem is according to the CA my balance was $604.91 and they are willing to offer me $453.68 to settle the account about $10.00 more than the actual balance Well of course I am not paying this. But my intentions are once I get on my feet and pay off current debts I will work on the two charge offs but i will deal only wtih the actual company and not a CA

Well I was a little nervous but I went ahead and paid off one of my CC's $797.61
I transferred the money from my EF because the money I keep in the challenge account is located at ING and will be a few days before it's actually deposited into my linked account, so I figured before I chicken out I'd better pay it now that I am serious. So now my new total for the challenge is $237.46 this difference is not available for withdrawal as of yet but that is fine with me. I get paid next week from both the part-time and full time job and will deposit the full amount from my part-time job to my EF making up the difference next I will work on another card ASAP. God I hope my car keeps up