Since I started actively concentrating on paying down my debt (just over a year ago), I've paid off a hair over 30% of it!! Not only that, I'm below $10,000 now, woo-hoo!! I just updated my chart on the sidebar ... check it out, the chart says it all!! I'm STOKED!!
Archive for February, 2009
What finally gave me the motivation to declutter? I'm moving!! I am SO excited ... I hate moving, but I am sick to death of the place I've been living in because the landlord does LESS than the bare minimum as far as maintenance and repairs go and the place has become such a dump over the past 6 years. I've had my sights set on an apartment complex less than a mile from where I currently live for over 6 months now, and I've been not-so-patiently waiting for a 3-bedroom apartment WITH a garage to become available ... and one finally did! I haven't lived in an apartment since college, and I'm sure there will be things I don't like about it ... but it's a fairly new complex, the apartments themselves are very nice and modern, and I won't have to deal with maintenance issues, yard work, OR a landlord I cannot reach! I'm THRILLED!!
SO. I've been working at cleaning out the garage, closets, etc., all of which are packed to the rafters. I moved into this house from a much larger place following a divorce 6 years ago, and told myself at that time that I'd have a garage sale "someday" but that day hasn't come until NOW! Garage sale day is March 7, and moving day is March 14. I am really CLEANING OUT and getting rid of a LOT of stuff. I am being relentless, because I am SO tired of being surrounded by so much clutter! I can't tell you how much I am looking forward to living more simply. AND, I can't tell you how much I look forward to making money by selling my stuff! Here's hoping March 7 is a beautiful day and I have a successful garage sale!
From a money-saving standpoint, the move isn't going to make much difference in my monthly bills. My rent will actually be about 10% more in the apartment, but I am hoping there will be a substantial decrease in my utilities (primarily electricity) to offset that. I really think there will be, because this house is in such poor shape that there is NO energy efficiency whatsoever. I'm sure the apartment won't be the best, but it's got to be better than this house. We shall see!
As for the something weird, it's about my Capital One cards again (I have two of them). Last month I blogged about how the APR had been lowered ... well, it's been lowered again, on BOTH cards! I accessed the accounts online last night, and pulled up the statements for each of the past four months. For the period ending Oct. 28, the APR on both cards was 24.9%. For the period ending Nov. 28, the APR on both cards was lowered to 24.4%. For the period ending Dec. 29, the APR on the higher-limit card was lowered to 14.65% and the APR on the lower-limit card was lowered to 14.4%. And, most recently, for the period ending Jan. 28, the APR on the higher-limit card has been lowered to 12.9% and the APR on the lower-limit card has been lowered to 12.65%!!! LOVE IT, and would love to see this trend continue!!
I got my bonus on Friday, and set up the payment for the WaMu card today ... it's just over $1,600 and I will be thrilled to stamp it "PAID"!! I had intended to put $400 towards the smaller of my two Juniper cards as well, but my bonus wasn't as much as I was expecting because of all the taxes taken out -- 36.55%!!! I have no idea why there was so much taken out for taxes, but I sure didn't expect it to be that much. Well, at least I was able to pay off that stinkin' WaMu card!!
I updated the total and pie chart in my sidebar (the WaMu card will come out of the Feb. total), and I've paid off almost 17% of my CC debt, woo-hoo!! I can hardly wait to see the number after this month ... it will fall below $10,000, YEAH!!!
I hope to see my income tax refund later this coming week, so I can update my savings totals!!