Okay, so I read over my last post and realized that everything I said on Friday was BS, and frankly, a little whiny. How the heck am I supposed to get out of debt, or remain debt free for that matter, if I can't even muster up enough willpower to pay off the bloody credit cards in the first place.
Yes, I have had issues in the past, but they will never get better if I put my head in the sand and waste hundreds playing the safe, although stupid, debt repayment game.
I deeply apologize for wasting your time reading that post.
New Game Plan:
1.) Suck it up - I'm in debt and never getting out if I don't shape up.
2.) Transfer as much debt as I can from high interest card #2 to low interest card #1. I know this is just displacing my debt, but it will reduce the amount of interest I am paying. Plus, as I will be closer to zero on my higher interest card I will pay that balance off quicker, and I will be a lot more reluctant to add charges when the balance is nil.
3.) Annhilate my high interest credit card #2 will everything I possibly can. (I think I might even undertake the mythical debt snowball.)
4.) Once paid off, revisit plan and see what my next step/strategy will be.
There, now that is a post I can be a lot more proud of!
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