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Old 02-10-2013, 08:21 AM   #346
gracie1
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going to pay off two credit cards this week! That will leave two and hopefully will have those paid off within 6 months!!! It will be sooo nice not have any cc debt!!!
Congrats!! 6 months will go by in not time!! I can't wait to not have any cc debt either!
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Old 02-10-2013, 11:47 AM   #347
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We have been slowly chipping away at ours - 1cc down, 1 more payment on another, & 2 that will be done this year! Then we can really work on rebuilding our credit for the future!!!
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Old 02-10-2013, 06:03 PM   #348
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We have been slowly chipping away at ours - 1cc down, 1 more payment on another, & 2 that will be done this year! Then we can really work on rebuilding our credit for the future!!!

Way to go! Sounds like your doing great getting them paid off.
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Old 02-11-2013, 09:54 PM   #349
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I made a small payment and got one of my cc's paid off - I'm down to 4 out of 7 carrying debt. I got to do a lot of overtime last week and so I managed to get my emergency fund up to where I'd like it to be with a little left over. And the best part was, I got a $2k unexpected bonus at work!! I'm going to put it towards my cc's - I'm hoping to get another two of them paid of with it, and it means I can put my tax refund towards something else, as I was going to put it towards those cc's and now I won't have to.

I had a little setback though, my cat got sick again - another $280 just for the vet to look at him and give him some eye drops and pills . I'd be planning to get pet insurance since his $500 visit at New Years, but had I gotten around to it yet? Course not... *sigh* if I'd gotten that done in advance, this visit would have been free. As soon as he's better, that's the first thing I'm going to be doing!!
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Old 02-12-2013, 06:17 AM   #350
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I made a small payment and got one of my cc's paid off - I'm down to 4 out of 7 carrying debt. I got to do a lot of overtime last week and so I managed to get my emergency fund up to where I'd like it to be with a little left over. And the best part was, I got a $2k unexpected bonus at work!! I'm going to put it towards my cc's - I'm hoping to get another two of them paid of with it, and it means I can put my tax refund towards something else, as I was going to put it towards those cc's and now I won't have to.

I had a little setback though, my cat got sick again - another $280 just for the vet to look at him and give him some eye drops and pills . I'd be planning to get pet insurance since his $500 visit at New Years, but had I gotten around to it yet? Course not... *sigh* if I'd gotten that done in advance, this visit would have been free. As soon as he's better, that's the first thing I'm going to be doing!!
Way to go on getting 4 of the cc's paid off! You seem to be doing great! I wish I could get an unexpected 2k bonus at work
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Old 02-13-2013, 07:28 AM   #351
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Bumping this thread back up! How is everyone doing?
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Old 02-13-2013, 07:38 AM   #352
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Both my state and federal refunds were deposited today. I have already scheduled payments to pay off 2 small credit cards and tranferred a large chunk into my savings.
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Old 02-13-2013, 08:15 AM   #353
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Both my state and federal refunds were deposited today. I have already scheduled payments to pay off 2 small credit cards and tranferred a large chunk into my savings.

Way to go I noticed my federal was deposited the other day... still waiting on my state. I plan on making a big payment towards debt on Saturday (after I get paid on Friday!)

Then I will sit down to restructure my budget and see if there is any way to get it paid off earlier!
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Old 02-13-2013, 07:51 PM   #354
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looks like lots of credit cards will be lonely this month with no balances to accrue interest

just sent out another check to my student loans since i got my federal tax refund. was on vacation last week so i did some shopping, got a haircut, and have a dr appt tomorrow so i may not get in another extra payment this month but i have a 3rd paycheck next month to get me back in gear.
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Old 02-14-2013, 06:21 AM   #355
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looks like lots of credit cards will be lonely this month with no balances to accrue interest

just sent out another check to my student loans since i got my federal tax refund. was on vacation last week so i did some shopping, got a haircut, and have a dr appt tomorrow so i may not get in another extra payment this month but i have a 3rd paycheck next month to get me back in gear.
Great job on paying towards your student loan! And atleast you did get to enjoy some of the refund by a little retail therapy!! I stopped by a jewelry store the other day to see a friend and found a great birthday present for myself, but forced myself out the door
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Old 02-14-2013, 06:50 AM   #356
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I'm in!

DH and I put our credit cards away and are going cash only next little while. Just paid off a small cc balance with some extra $.

Cashed in some $$ that was sitting in a paypal account which will go towards debt when I get it!

Way to go everyone on this thread for sticking with it!
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Old 02-14-2013, 07:34 AM   #357
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Everyone is doing well, Dave Ramsey would be proud! I cut up all the plastic in my purse the other day except for one just in case of emergency, because my emergency fund is not exactly fully funded yet! I am hoping to pay off the small amazon cc by the end of this month and I paid the last monthly payment on my daughter's trip a few days ago, so that frees up $300 a month to put toward debt. I have 10 debts in total and I am hoping to cut that in half by the end of the year. And please send me some good vibes for a new management job that I applied for
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Old 02-14-2013, 07:38 AM   #358
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Everyone is doing well, Dave Ramsey would be proud! I cut up all the plastic in my purse the other day except for one just in case of emergency, because my emergency fund is not exactly fully funded yet! I am hoping to pay off the small amazon cc by the end of this month and I paid the last monthly payment on my daughter's trip a few days ago, so that frees up $300 a month to put toward debt. I have 10 debts in total and I am hoping to cut that in half by the end of the year. And please send me some good vibes for a new management job that I applied for

Definitely sending good vibes for the management position

I have never read Dave Ramsey, but what do they suggest should be in the emergency fund? How much?
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Old 02-14-2013, 07:39 AM   #359
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I'm in!

DH and I put our credit cards away and are going cash only next little while. Just paid off a small cc balance with some extra $.

Cashed in some $$ that was sitting in a paypal account which will go towards debt when I get it!

Way to go everyone on this thread for sticking with it!
Congrats on paying off one cc! That's one less that you owe
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Old 02-14-2013, 08:58 AM   #360
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Definitely sending good vibes for the management position

I have never read Dave Ramsey, but what do they suggest should be in the emergency fund? How much?
He recommends $1000 to start with until you get rid of debt, them 3-6 months.
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