Credit Card Debt: Ohhh so close to gone!
I got a few checks this past week from affiliate sales, Adsense and other CleverDude.com-related income that enticed me to consider paying off the rest of our original $20,000 in credit card debt. However, I opted for the safe bet and wait until the end of the month when it fits into the budget.
But I did pay off $1,500 of the remaining $2,687 balance! That means we only have $1,187 of credit card debt remaining. This doesn’t count debt we incur monthly, but pay off that same month. We put our internet purchases on credit cards rather than our debt card for more protection, and we also get 5% cashback on gas purchases until the end of the month from Discover Card.
So, only one more month and that Credit Card debt scale on the sidebar will be GONE! Actually, I’ll leave it there, but it will be $0.
I can hardly wait to send that last check. I don’t know how I’ll feel, but I know we won’t be celebrating by buying junk on credit!
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Congratulation!
What is the next step? As your monthly cash flow is increasing, are you going to invest a part of it or concentrate all your money on the next debt to be paid?
Well, I’d like to get rid of our student loan debt, but I also know we’ll probably need a new car for Stacie in the next year (unless we’re lucky with our high mileage Pontiac).
I’m considering increasing my 401k contributions, but I think I also need to increase my tax withholdings since I’ll be underpaying. We’ll see.
Congratulations! Enjoy your blog. I’m glad to read about when others reach their goals, gives the rest of us inspiration to hang in there. Sue
You won’t NEED a new car, you just want one you car freak! 🙂 Costs a lot less to fix it up and keep driving it until you can pay cash for a newer car.
I love watching people destroy their debt! It helps me relive my debt destroying days! I remember those oh so close moments where I contemplated using some emergency fund, just to whack the last of a debt away!
Keep up the great work Mike.
Excellent!! You’re so close that’s great! It’ll be gone soooooo fast! yay!!!
Congrats! That’s awesome! One down, two to go, right?
Two scales, but 3 different loans (2 student and 1 auto)
That is awesome. See that little light over there? That’s the end of the tunnel. Congrats.
Congrats!
Congratulations, CD! What a milestone. Seeing a big fat zero in the “owed” column is going to feel so good.
Congrats! That is always a nice feeling to reach a major milestone like that.