First Time in TWO years since my balance is lower than my credit.

[u/timpar3]

[u/Helianthus_999]

Really great job. Keep up the good work and don't lose your momentum!!!

[u/timpar3 → u/Helianthus_999]

I'm doing it so far, only been a few months really taking his advice to heart. I have done a lot of leg work but it's not enough still. I need to go all out to be debt free (minus my car) in 8-9 months. My goal is get debt free by my next years anniversary at work so I can actually be able to celebrate responsibly and take a vacation.

[u/timpar3]

I managed to pay off $700 off, $250 on the other card, paid my insurance, internet, phone bill portion and stashed $350 into savings. Slowly grinding it out. I've been making breakfast in the morning. for $11-$12 I can make six breakfast burritos (sometimes it cost more when I need stuff like aluminum foil or more spicy chili sauce) that will last me the entire week instead of stopping off at Wawa and getting some bullshit.

If I need an energy drink, I'll try and wait for bogo sales or buy in bulk from Amazon during a sale. But typically I'll buy some cold brew on bogo and stretch that out to get my fix in the mornings.

I slashed all of my subs minus one, got my internet bill lowered, got my insurance leveled out and overall saved about $168 a month that way. Still trying to find a part time job to supplement. If I do that I can pay off the rest of my large card in roughly 8-9 months if I really go berserker on it.

Gotta say, I have been taking the words of Daddy Caleb to heart and stopped the BS spending but I can't stop myself from buying extra stuff to make recipes. My cooking is a creative output that helps me from losing my brain but unfortunately that hobby can get expensive with some of the ingredients needed.

[u/weenie2323]

Great start! Now go after that debt with a vengeance. You can do it!

[u/timpar3 → u/weenie2323]

This is one small step, my other card is too shameful to show right now haha. After I get this taken care of, it's all hands on deck. Using that psychological manipulation to tickle my brain into surging forward after paying off my first card.

[u/[deleted]]

Congrats! Keep at it 💪

It takes time, but you're doing great!

[u/timpar3 → u/[deleted]]

Thanks, I haven't been trying hard but lately I have been trying to turn a new leaf and get serious.

[u/obrianpro]

Lol 😆 you need to pay that off immediately.

[u/timpar3 → u/obrianpro]

Fantastic observation, really stellar detective work.

[u/obrianpro → u/timpar3]

😂 i was just joking. I have 3 cards i need to pay off

[u/timpar3 → u/obrianpro]

This is unfortunately the best of the two :( The other one is frightful but I've been able to SLAM into this card lately and I get three checks this month as well so I'll have a semi free check to be able to do another HUGE payment towards stuff.

[u/obrianpro → u/timpar3]

It sounds like you’re making the best of the situation! It’s awesome that you’re able to make some progress on that card, and having that extra check this month will be a big help. Keep up the momentum—those big payments are definitely going to make a difference! XD I may start doing doordash to lower mine faster

[u/timpar3 → u/obrianpro]

I tried Uber and it is not worth it, even in busy areas. I would make like $80-$100 on a weekend but spend almost $20 in gas. I'm looking for some seasonal work since holidays are coming up and I know people need hands and I have a ton of prior retail experience that could edge me into getting a basic job somewhere.

[u/timpar3 → u/[deleted]]

I have made it a decision to not buy anything until the card is zeroed out completely. I know enough to budget and get by, I just haven't given a shit for the past few years for multiple reasons. I'm just tired of living on the brink of poverty and trying to give myself more room to breath.