I took out some cash and I still have a little bit left. I get paid on Friday.
My balance hit a pretty high ceiling for that credit card I shredded. I'm trying to figure out the best way to make sure the bills are paid and wipe out the balance so I can get hit with no interest or as little interest if possible.
It looks like I may be playing catch-up for a bit but that's okay. I'm going to re-work the budget and try to save up an emergency fund again. That's really the only way I see this getting better.
My part-time job is ending again and really good riddance. It used to help but now that I am in the office again it just racks up my out-to-eat bills because I'm too tired to cook or do any house chores. Quality of living at this point for me is more important than an extra few hundred bucks a month since for the past few months I've been unable to hold on to any of the cash lately because I started overspending.
My second lowest student loan is getting closer to $1000 every day. While it bums me out I can't wipe it out right now I am going to see if I can do it by the end of the year but really not a priority right now.
My credit score dropped a lot with the addition of the card for the home improvements because it really upped my utilization and it looks like it is maxed out. For some reason I did not think of that ahead of time but the good news is that it is a 0% interest rate so after a while the balance will just naturally go down. Also I did not activate the card because if you use it for regular purchases the rate is much higher.
In about 6 months that utilization will go down enough that my score will go to where it was and luckily I don't have to buy anything major that requires pulling my credit score until sometime next year.
All in all things are looking up.
So far shredding the card has worked.
March 29th, 2016 at 09:22 pm
March 29th, 2016 at 10:48 pm 1459291729
March 30th, 2016 at 02:17 am 1459304258