OPERATION CHRISTMAS CHILD 2012

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Working Towards The Debt Free Goal

After writing and rewriting (about a bajillion times) our monthly budget, based on our basic income (not including overtime) we will have approximately 720.00 a month to apply to our credit card debt of about 11,500.00 dollars.  I say about because I still have some expenses that are being reimbursed through work and insurance.  I hope to have the "real" total by the end of the month. Lets just round up the debt to 12,000.  With that number I will need 1000 dollars each month to pay off the debt.  Since I am applying 720.00 already to the debt monster, I will need at least 280.00 per month to meet the goal of eliminating the credit card debt monster.  A completely doable goal!

There are some areas in my budget that can be tweaked some more to squeeze out a few more dollars, but I hesitate to do that.  Just going to see how this month is going to work out first! 

Still have to get to the gym this week.  Bleech!  Not real motivated to go back.  I know if I go back one time that I will be motivated to continue.  It is the first step that is the hardest!!

8 comments:

Ultra High Net Worth said...

you'll be there in no time at that rate! Paid off inside a year - with a bit of luck. I never manage to get our credit card to zero, so we recently switched to a low interest rate card.

Maureen said...

That is a huge undertaking for this year, still you sound so confident that I,m sure you are going to make it.

jpkittie said...

you are going to get it done, I just know you are!!!! That is around my total that I want to get rid of... stretch for me, but I am going to try it ;) gotta push ourselves, right?

Lisa @Cents To Save said...

Yes, we definitely have to push ourselves jpkittie! We will have to nudge each other along!

Jane said...

Get moving Lisa! Like you say the first step is the hardest. How much is your gym membership - you could put it towards your credit card and go for a long walk everyday instead.

MorethanMom said...

You know what they say- only way to eat an elephant is a bite at a time!
I'm in the same boat, aiming for a year as well.
Good luck :)

Maureen said...

That is a huge undertaking for this year, still you sound so confident that I,m sure you are going to make it.

Ultra High Net Worth said...

you'll be there in no time at that rate! Paid off inside a year - with a bit of luck. I never manage to get our credit card to zero, so we recently switched to a low interest rate card.

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