I can’t believe the last time I wrote a post for this series it was January. An entire year has gone by and we are more in credit card debt than we ever have been before. It is frustrating beyond words.
You have no idea how many times I wanted to post “Hey, I give up!” I can’t control the circumstances or people around me. It just makes me want to scream. I feel like such a failure. But we can’t stop living life, right?
Those are all things I think about on almost a weekly basis. Although the credit card soared again I do feel good about the fact that we paid for 5 brand new windows for our home and a new kitchen floor in cash. That’s something right?
So here is the current credit card balance on the card I was working on at the beginning of the year.
$9,971.14
It was down to $2900 so we have added over $7,000 in debt to it this year.
Last month I called my credit card company and asked if they had any promotions for lowering the interest rate and they said yes! Instead of 26% they lowered the interest rate on my credit card to 15.99% for 6 months. That’s huge! Don’t be afraid to call your credit card company and ask if they can work with you on interest rates. Many times they can and will work with you.
January is always property tax bill month so we have that to pay but I should still be able to pay down another $700 on the next credit card cycle.
I am sorry I just gave up this year. So many things have happened that have taken my spirit away. As a team my husband and I have once again evaluated where our energies should lie and are making the necessary changes.
I’ll keep you updated even if it feels mortifying sometimes. We are all struggling with debt and most definitely need to talk about it.
Until next time -MM
The Professional Domestic 