Monday, August 9, 2010

Great news!

As I've mentioned in previous posts, I've been concerned about not being able to pay my credit card bill in full this month. That's never happened to me before and I was terrified to see how much interest I would be charged for not paying it all. I paid most of it and sadly my bill somehow is still pretty high this month again BUT interest was only $3.38!! I think I can handle that! Now, I know what you're thinking- Great, she's going to see how little that amount is and not worry about it for future months. Well, you're wrong. It will always be my goal to pay it off in full because I refuse to fall into the downward spiral that is credit card debt. However, its nice to know that I won't totally dive head first into the poor house after that statement.

I'm still having a hard time leaving my credit card at home to avoid unnecessary purchases but I think it's what I'll have to start doing. My express paychecks are supposed to go towards savings/student loan payments, not credit card payments and that needs to stop. As of today, I will keep it hidden in my apartment and only used in emergencies. From here on out I will get my bill under control and keep it that way. Then I can really dive into the savings for when the student loan bills come rolling in. I just can't contain my excitement for that...

**I just looked at my statement more closely and I paid all of my bill but $4. I got charged almost $1 in interest per dollar I didn't pay off. Although this time the number wasnt high, that is huge motivation to not do that again!**

I mentioned in a recent post that I was going to shop at Express this weekend. I did. And I made it out literally spending the $6 I planned to spend and not a dime more. I got the tank top and earings I mentioned but someone had taken the shorts I had put on hold. That's actually a good thing since they had gone on clearance and my coupon wouldn't have worked on them anyway. I did, however, find a $6 belt that I couldn't pass up. The coupon was worth $45 but the tank top and earings were only $41. I'm pretty impressed. You'll also be happy to hear that I debated buying a sweater the next day. All through my shift I just kept eyeing it and daydreaming about all these cute outfits that sweater would complete. I was good and didn't buy it because they didnt have my size because I didn't need it. When I was getting ready for work this morning, I realized I had a pretty similar sweater already and I'm happy I didn't buy it. I know its common sense to everyone but I'm proud I reached that conclusion all on my own.

1 comment:

  1. Hiding your credit card... good idea haha!