I knew I wouldn't make any progress, since I had that $1100 personal property tax bill to pay, but I didn't think I'd go backwards! I owe $1700 more in my credit cards than I did last month, so I charged $600 in random other "stuff" in the last month. I know $200 of it was Fitbits for my husband and I for our birthdays, the rest was gas and groceries that were more than what I had on the debit card I've been using for it.
After my minimum payments, I have $412 a month left for gas and groceries, which is impossible to do for a family of 4. I can barely keep us under $400 for food alone, and my gas is typically just over $200 a month.
The good news is that before having my 2nd job, I was in the same boat, and I was building more and more credit card debt. At least now I am making progress (most months). All in all, I have still paid off $4300 of credit card debt since January. I just need to get back on top of it and make some more progress! I have some BIG paychecks coming up from my 2nd job, I'm working 3 out of the next 4 weekends, 4th of July for holiday pay, and a few evenings. That should really help make a dent in it.
Had a backslide this month :(
June 18th, 2014 at 05:55 pm
June 18th, 2014 at 06:00 pm 1403110841
June 18th, 2014 at 06:10 pm 1403111409
We were going to drive over an hour away to a festival this weekend, which obviously incurs travel cost and then easily spending $60 on food and whatever else while we're there... I just told hubby about our backslide, and he said "Well, maybe we should just stay closer to home and take the boys to the state park or something instead". I think that sounds like a great idea! And I am absolutely going to insist that he let me pack lunches to bring and have a picnic - he always wants to eat out, and while we do have the Kids Dine Free plan, we're still looking at $25-30 for our 2 meals plus tip.
June 18th, 2014 at 06:29 pm 1403112562
June 18th, 2014 at 07:40 pm 1403116840
June 19th, 2014 at 11:59 am 1403175557