Friday, December 30, 2011

The last working day of 2011...

Well, here we are, the last working day of 2011 and I'm feeling pretty good about my debt repayment plan and the progress I am planning for this new year. I've used my credit card a couple of times in the last few days, only because I'm close to being able to cash in my rewards for a statement credit and when I've used the card, I've immediately transferred money to pay off what I just charged and rounding up to the next $10.00 mark. For example, last night I was at the grocery store and I charged $39.32, so when I got home, I transferred $40.00 to make the payment on the card. I also used it for a $40 co-pay at the Dr. and then when I arrived at work, I made a $50 payment. If I don't have it in my checking account to make the payment, I can't use the credit card to make the purchase. After I'm able to cash in this reward, I'd like to convert to an all cash system for my day to day purchases. Does anyone else do this?

Happy New Year to you all. . .

Current debt: $243,256.26

Wednesday, December 28, 2011

Working on the goals for 2012...

Well, as I said yesterday, a major goal for this next year for me is to get my debt under control and finally taken care of. My BF is also doing the same thing, so I think it will be great for he and I to have these similar goals that we can help cheer each other on with. He also needs to get his name off of the title to the house that he and his ex-wife had. She was awarded the house in the divorce and is also responsible for the debt associated with it, but we're having a heck of a time trying to get his name off of the deed. Does anyone know how to go about this? He wants to make sure he's not going to be responsible for any of the debt associated with it should she default on the mortgage. She's not in a position to refinance right now, so that's not an option, but it looks like he should be able to file something to get his name off of the property. I believe it's called a quit claim deed? Does anyone know? Any assistance would be greatly appreciated.

My other goals for the year are to bring my lunch to work more often so that I'm not eating out, which I rarely do, but I'd also like to make sure I'm eating a better lunch rather than just snacking my way through the day, not really paying much attention to the lack of nutrition in what I'm eating. And to cut back on the diet Coke and work on drinking more water.

What are your goals for 2012?

Current debt: $243,283.30 (ugh! going in the wrong direction!)

Tuesday, December 27, 2011

Oye! I totally overdid it at Christmas...

and now I'm having to face my debt head on! Ugh! OK, I can do this! I can get back on track and work at getting this back under control. Looks like it's going to be a mellow spending start to the year, but that's OK, I will be so happy when I've made progress by spring and can see the end of the tunnel that is currently my debt. The BF and I are both working on paying off debt and are both really supportive of each other and getting this under control. We want to do what we can to get our debts taken care of so that we can start our life "together" on the right financial footing. He currently has more debt than me, with the exception of my mortgage, but he's working a lot of OT right now and has vowed to put that all toward debt reduction. 2012 is going to be a great year for us, I can see it!

Current debt: $243,224.66 (yikes!!)