CC 2 -$3,095.59
Way back in the day, we had balances on 4 CC. The one we used for the move was CC 2....so I just went back to that, in case anyone was wondering why this is card 2.
This is the remainder of Moving expenses, plus a $40 charge (virus protection for computer) that we forgot was an auto debit thing once a year. The auto debit has since been removed. We will be filing our tax return very soon, and the refund will be put here, and hopefully wipe most of this out. Once we see how much is gone after the tax return, then I will figure out what I have to pay per month to get this take care of, hopefully within 6 months.
If you are looking at this on a monitor and not a phone, you will see that shuffled things a bit on the side bar. The move related expenses are in their own category. Mental game. So while this is technically "consumer" debt, I am calling it something else.
CC 4 -$14,932.62
Yep....it is up. WAY up. It was used to be able free up cash that we needed. Particularly in November, when we paid $1900 in rent deposits, in addition to our mortgage. Plus, the living on less income finally caught up by the fall and we used the card for gas, groceries, household goods (TP, cat food, etc). Some back to school things. And here we are. In all of its
While I am not working, we are paying the minimums on everything. However, this card minimum is up to $291. It makes my stomach lurch a little. I am thinking of doing a balance transfer to another card, 4% fee, but is zero interest for 18 month. This will allow us to at least make the minimum payments easier until I am working, then go back to really trying to lower things. I can't use the card if I do this...it will just negate everything. I have already done that once. Stupid.
If we took our credit card and the house stuff out of the equation, G-man's salary would cover our expenses, even without me working. The debt is really causing a problem now that our income has been slashed for the moment.
The sidebar is updated through February 15th. However, my student loan, house loan, and G-man's car have not been paid for the month of February yet. That will amount to almost $800 in payments. I am going to try to update on the 1st of the month again, like I used to. It really forced me to look at the numbers. But I know alot of people were wondering what the numbers really look like.....so here ya go.
I have an interview tomorrow...for selling insurance (which I know nothing about). I have to bring home SOMETHING at this point, so even if this turn into an offer....I will keep looking. I need a win right now. I really need a win.