hey dirty, baby i got your money...
So. Now that I'm making pretty good money, I have decided to have an aggressive plan to get out of debt.
Ha. I wish. It would be so much easier if not for my nasty habit of impulse-buying and my love of expensive, nice things. But, I have taken a step in the right direction. I paid off my American Eagle card last month (zero balance feels sooo good!!) and I have closed and am paying off my Gap charge this month. In addition, I have closed my Mastercard account (which will take a long time to pay off but at least I'm not going to charge more on it!!). I feel better about things, now that I've taken these steps. Right now, it's hard for me to pay as much as I really want to on my bills, because I'm busy saving up money for moving. I'm moving on November 20 and I need pretty much everything. So all my *extra* money is going into my savings account for furniture, etc. And then of course, when that madness is all over, it will be replaced by rent, and my rent is not what we would call cheap. It will be worth it though. And I can afford it. I figure, if I can afford to live in a nice place, then I should. Why not? I have worked my ass off for it. I guess I'm just trying to make myself feel better about my credit card debt. I don't have *too* much but I'd really like to get it all paid off, so that I can buy a car. I want to wait til they're all done because although I have great credit (never missed a payment), I want my student loans to be all I owe when it comes time to apply for that car loan. I just have to force myself to remember in the next few months when I have nothing left after I pay all my bills that it is because I am saving up money for other things, and not that I'm really living paycheck to paycheck like I did before. Okay. I'm rambling. That's enough for now. I just think too much and this whole moving thing is making me crazy/really excited.
Ha. I wish. It would be so much easier if not for my nasty habit of impulse-buying and my love of expensive, nice things. But, I have taken a step in the right direction. I paid off my American Eagle card last month (zero balance feels sooo good!!) and I have closed and am paying off my Gap charge this month. In addition, I have closed my Mastercard account (which will take a long time to pay off but at least I'm not going to charge more on it!!). I feel better about things, now that I've taken these steps. Right now, it's hard for me to pay as much as I really want to on my bills, because I'm busy saving up money for moving. I'm moving on November 20 and I need pretty much everything. So all my *extra* money is going into my savings account for furniture, etc. And then of course, when that madness is all over, it will be replaced by rent, and my rent is not what we would call cheap. It will be worth it though. And I can afford it. I figure, if I can afford to live in a nice place, then I should. Why not? I have worked my ass off for it. I guess I'm just trying to make myself feel better about my credit card debt. I don't have *too* much but I'd really like to get it all paid off, so that I can buy a car. I want to wait til they're all done because although I have great credit (never missed a payment), I want my student loans to be all I owe when it comes time to apply for that car loan. I just have to force myself to remember in the next few months when I have nothing left after I pay all my bills that it is because I am saving up money for other things, and not that I'm really living paycheck to paycheck like I did before. Okay. I'm rambling. That's enough for now. I just think too much and this whole moving thing is making me crazy/really excited.