Depressing
For some reason when I got home from work tonite, I decided to calculate how long it would take me to pay off some of my debt. I make my last car payment in December (great … that means my car is gonna blow up in January … 
). That’ll give me an extra $250 a month starting the first of the year.
I’ve decided that I’m gonna split that $250 up between my 2 credit cards to try to pay the damn things off so I can cut ‘em up and a savings account. I had a good chunk of change in savings a few years ago. But that was when I was unemployed … and that disappeared fast since it took me so long to find my current job. So my savings is completely gone now. I NEED to build that back up so I don’t have to use credit cards when I need the money … like this Friday (more than likely) at the eye doctor. HOPEFULLY I can get some contacts and glasses (I really hope my eyes have gotten better. I think they have. The computer screen isn’t so fuzzy anymore.).
I’m planning on adding an extra $100 to one credit card and $50 to the other and then $100 in savings. If I do that, the first credit card *should* be paid off in October 2007 (barring any emergencies). After that one is paid off, then I’ll take about $125 of what was going to that card toward the other. Following that schedule, the second credit card should be paid off by July 2008.
That would mean that my credit cards would be paid off in 2 years! That would be SO nice. But I know I’ll never be able to follow that schedule … no matter how hard I try. Something always comes up just when I think I’m starting to get ahead. Aren’t I the eternal pessimist … LOL.
And hopefully come tax time, I’ll actually get a refund this time. They’re taking more out of my paycheck, so I sure hope to hell that I do. I could put part of that towards the first credit card and get it paid off even sooner. And then put a chunk in savings. That would be so nice. But since my car is paid off in December, I’m sure it’ll blow up just in time for me to have to spend that tax refund on it.
stressed