1. Debt Repayment
I’m continuing to track and I’m continuing to pay minimum payments. But this is NOT enough.
This month, I’ll be getting a big writing check and as much as I want to put it right towards a trip to Buenos Aires, I have to be responsible. This means I’ll be able to concentrate on this effort a bit more and not have to worry about splitting payments between credit cards. Phew!
That said, if I wanted everything paid off in a year, I would still have to put much more than half of each check towards the credit cards. And good ol’ VISA will not let me change my card so I can have a reduced interest rate until I prove myself to them for another 6 months (in this case it’s probably about 4-6). That said, focusing on the VISA solely will help concentrate efforts and reduce debt.
It means not going out and I know that’s where I’m spending my money. It’s not going to be paid off in a year. Not unless I find a job that pays me more or take on more freelance assignments at the risk of my sanity.
What’s helped: pre-cooking for the week for lunch so I’m not having a boring lunch or eating sodium induced microwave meals. i.e. I’ve cooked a big batch of pasta, brought pre-made pesto sauce and voila! I’ve got three lunches this week (I’m ok with eating the same thing for two or three days in a row one week). I got the pizza pops again and I think it’s a vice. They’re so good. I still have to do my taxes as well and I’m dreading it. Continue reading