I had my performance review at work today, and it went really well. Then, this afternoon we all found out what our bonuses are going to be, and at the end of next week I will be getting a little under $3,000!! Of course there will be taxes taken out, but I am taking $2,000 of whatever the final amount is and putting it towards my CC debt. First order of business is to pay off that stinkin' WaMu card ... buh-bye to that card with its $1,600 balance AND its 29.99% APR!!! GOOD RIDDANCE. Next on the list is one of my 27.99% cards ... I have two, both through Juniper, and I will pay $400 on the one with the $700 balance (the lower of the two). I am determined to pay off the remaining $300 in two months, so that card will be GONE by April. Woo-hoo!!! The debt snowball will be growing well by then, and I am STOKED!!! I also plan to call my other CC companies at that time and see if they will lower my APRs. I would've done it before now, but all I've been able to pay on them are minimums, and with a bankruptcy on my record and all my current cards maxed out, I had no leverage ... I mean, it's not like I could threaten to transfer a balance to a 0% APR card because they'd know darn good and well I couldn't get one of those anywhere!! So, that is my plan.
On the savings front, I hope to get around $1,000 back from the IRS, so that will go to refunding my baby emergency fund. I've also set up three automatic transfers each month to my various savings accounts, so I'll be saving $150/month that way, which will build my savings balances back up nicely.
I feel better now. 
I'm SO excited!!!!
January 22nd, 2009 at 03:21 am
January 22nd, 2009 at 04:12 am 1232597563
January 22nd, 2009 at 05:26 am 1232601973
January 22nd, 2009 at 05:26 am 1232601981
January 22nd, 2009 at 01:49 pm 1232632154
January 22nd, 2009 at 02:22 pm 1232634147
January 22nd, 2009 at 02:29 pm 1232634581
And trust me, that will feel .. waht for it ... what for it ... AWESOME!!!!
January 22nd, 2009 at 03:19 pm 1232637549