NO credit card month........

[njcarita]

Originally Posted by HippieChickadee

Good kids! Many today would be more concerned about their lack of uggs or iPads. You are blessed.

Truly, good luck. Keep motivated. Write out your goals. Hang it up. It's easy to give in after the motivation high passes. Don't go anywhere that will tempt you. Make small goals.

yes I AM BLESSED.............. broke and indebt............but have a smile on my face everyday cause of my kids and husband...........

[chimilady]

Originally Posted by njcarita

well thats the plan........... but i need to take it one step at a time........ if i can make it to Feb it will be nothign short of miraculous... i was going to pick up my scripts but I am sending hubby instead........ i realized that cvs was having the 75-90% sale and i dont think i would not make it out of that store without a $5 toaster or Lord only knows what.......... so I am not setting foot in a store unless its necessary and its armed with list and coupons........of gift card

When I was in debt and trying to get out, my weakness was Target. I couldn't go in there without spending at least $50. Even if it was for one thing. I will say that if you can stay away for a month or two from your weakness, you will be able to make a huge dent in your debt and really get some self control again.

[njcarita]

Originally Posted by chimilady

When I was in debt and trying to get out, my weakness was Target. I couldn't go in there without spending at least $50. Even if it was for one thing. I will say that if you can stay away for a month or two from your weakness, you will be able to make a huge dent in your debt and really get some self control again.

lol.... walmart is mine........ no matter what i go in for.........$90 later i am checking out a full cart.........

[Woth2982]

Best of luck to you! I hope the interview goes well! I had a TON of debt and a sub 600 credit score in 2009. I lost my job and got way behind on my bills. When I finally got a job a few months later I started paying off my CCs. I started with my smallest card and paid that down to zero and went from there. Now 3.5 years later my credit score is in the mid 700s, I am about to buy a house, and i guess I am technically cc debt free. I still use my CC just about everywhere because A) I like the rewards, and B) I once had my debit card stolen, and my money didn't get back in my acct for five days (account drained on a thursday).Now i just charge and pretty much pay it off as soon as the charge clears.

[njcarita]

Originally Posted by Woth2982

Best of luck to you! I hope the interview goes well! I had a TON of debt and a sub 600 credit score in 2009. I lost my job and got way behind on my bills. When I finally got a job a few months later I started paying off my CCs. I started with my smallest card and paid that down to zero and went from there. Now 3.5 years later my credit score is in the mid 700s, I am about to buy a house, and i guess I am technically cc debt free. I still use my CC just about everywhere because A) I like the rewards, and B) I once had my debit card stolen, and my money didn't get back in my acct for five days (account drained on a thursday).Now i just charge and pretty much pay it off as soon as the charge clears.

wow fabulous being debt free.............. my credit and husbands thankfully is stellar throughtout all this higher 700's range........ so hoping to keep it that way........ i was the same way with my rewards cc till 2 years ago...than I started to use them for living expenses and medical bills..... i have no low ccs cause I transfered all my blances to a few a cards to get 0 % for a yr to yr and a half......so attempting to decide which to takle first.......... and thanks about the job interveiw.. keeping fingers crossed ........... i just want to pay down some debt............i mistakenly keep plowing all our money into are mortgage for years.......... and right now I have about 70% exquity in our house....... but cant refinance the debt cause our income is tooo low .....lessened learned............. build up savings before paying extra to mortgage...........

[njcarita]

well just want to say still credit card less..........

and today i am going on a job interview........ please send prayers and good wishes my way.....

[jakenjess]

Best of luck on your interview!!

[ilovemk76]

Good thoughts sent

[seashoreCM]

You might be cutting off your nose to spite your face.

If you have one credit card (such as a Disney Visa) that earns points or miles and does not have any balance on it, then you should use that credit card for everyday purchases and pay it off in full when the bill arrives.

Do not use a credit card with a longstanding balance (or any balance from last month) for this purpose, the added finance charges or interest on every new purchase will cost you more than the points are worth.

[HippieChickadee]

Originally Posted by njcarita

well just want to say still credit card less..........

and today i am going on a job interview........ please send prayers and good wishes my way.....

GOOD LUCK!!! And good job!

[njcarita]

Originally Posted by seashoreCM

You might be cutting off your nose to spite your face.

If you have one credit card (such as a Disney Visa) that earns points or miles and does not have any balance on it, then you should use that credit card for everyday purchases and pay it off in full when the bill arrives.

Do not use a credit card with a longstanding balance (or any balance from last month) for this purpose, the added finance charges or interest on every new purchase will cost you more than the points are worth.

i have tons of credit card with no balances on it....... but until my present astronomical balances are pd off a free gift card here and there is NOT worth it...............

[njcarita]

Originally Posted by jakenjess

Best of luck on your interview!!

thanks........ should know by end of week

[njcarita]

Originally Posted by ilovemk76

Good thoughts sent

thank you should know by end of week

[njcarita]

Originally Posted by HippieChickadee

GOOD LUCK!!! And good job!

thanks fore rooting me on from the start

[njcarita]

just a quick update

today was first day of new job

and still no credit cards this month..........

but boy am i tired...........