I fell off the wagon… Part 2

Like I promised last month in I fell off the wagon… Part 1 here’s an update on how things are going between me and the dastardly creditcard.

I froze* my card for a few days after last pay so I could get accustomed to not having it in my wallet. It was a strange experience because I couldn’t just pick up milk when I wanted to or get gas when I wanted to. I had to plan my errands, an experience not unfamiliar but definitely out of practice… Perhaps why I ran into this creditcard debt mess in the first place!

It’s now 9 days since past my last pay, and five days to go till the next. I took a pay-advance two days ago of about 40% of my cheque. It’s a habit I am working on getting out of but until I kick this credit-card debt its pretty near impossible. So I cashed my advance, went home and logged on to online banking, then I paid off my credit-card and there was still a little bit of money left over…


Now I realize that it’s highly unlikely that I’ll be able to keep that balance at zero but it’s a start, I have had the balance at zero before but there haven’t been many times I had money left after that and no significant expenses coming up.
I lent someone 175 dollars and will be receiving that back today, and with a portion of that money I intend to go grocery shopping on Saturday. The rest of my pay comes in on the 29th and I can’t think of any other expenses I might have before then, aside from emergencies.

Exciting day today, feels good! Again, I’ll keep you updated on how I’m doing next month. Until then, do you have any credit card debt you’re working on? I’d love to hear from you!

*In a box with water in the freezer resulting in one plastic card encased in one big block of ice; impossible to impulse shop with that.

1 thought on “I fell off the wagon… Part 2

  1. Nope! 🙂 I applied for credit cards when moving out of the dorms on campus and into an apartment. I wanted to build my credit. Unfortunately, over the next six months I opened six cards and maxed out every one of them on necessities for the apartment, school expenses, etc. Whereas you bought a house with no money, I paid tuition with no money.

    I happened to get into an awful car accident right when my credit card woes were at their worst. I got a $6,000 payout and used $1,500 of it to pay off and close my highest interest cards. Then I began working diligently to pay off the remaining two cards. $3,500 total but I paid it off, closed all the accounts and never looked back. 🙂

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