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Slow Going

March 30th, 2008 at 09:53 pm

I haven't posted much lately, but I am here reading pretty much every day! I am still taking my lunches to work, and still writing down everything I spend money on daily.

Like a lot of others here, I'm looking back at the past month's spending and seeing how I did. I'm happy to report 7 no-spend days in March! I'm encouraged when I look at my savings totals slowly going up, and when I look at the balance in my newly-established Vanguard account after only two pay periods of contributing. But the debt is going down SO slowly! I got popped with some overlimit fees last month that showed up on this month's statements, and that really discouraged me. I've made several very large payments on my cards this year, and it doesn't seem like it when you look at what I still owe ... because the interest just keeps building and it seems like I am taking 10 steps forward and 9 steps backward. It's going to be a long trek at this pace!! But I know slow and steady progress will get me where I want to be.

I know that as I get a couple of the smaller cards paid off and start putting those monthly amounts towards other cards, I will be able to see more of a difference. It's just discouraging right now. At least the weight loss is going well ... only a little over 4 lbs. to go until I reach my goal, woo-hoo!!

3 Responses to “Slow Going”

  1. baselle Says:

    Keep hammering away at your debt - don't let the moment get you down. You can get rid of it even if its slow.

    A couple of years ago several people here found that it was easier if they made the minimum online and make an extra payment 2 weeks after. Something to try after you clear the decks a bit.

    Your debt is like my weight. It's taken me years of work to get down 25 lbs. But I was lucky with my debt; I got into a payment rhythm, didn't bother with playing chicken, just pay when I got the bill.

  2. nance Says:

    Hang in there, things will get better with continued effort. It may seem like progress is slow, but it is still progress.

  3. sillyoleme Says:

    Hang in there with the debt... remember you are not the only person doing it! And just think, even if your balance decreases just a little each month, that is still something to be proud of!

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