Writing things down seemed to help me get back on track. I have written down (roughly) how much we owe (big number) But this month (November) will be the second month in a row I have paid off one credit card. Next month a third will add to the paid off list. The last 3 will take alot longer! I am debating if I want to consider a 5 year consolidation loan or just do this myself. I think it would be better for our credit if I do it myself. It means some sacrifices I don't want to make (not traveling to see kids for awhile) but we have to get going on debt. My DH has applied for a transfer and there is no way we can afford to move if I don't get this cleared up without racking up more debt on a card. If this goes as planned I will have only 2 cards to pay off in 6 months (May 2011) I am going to try to find ways of saving money to build up the saving while we do this. I am paying an extra 500 a month on the credit card "du jour" every month to accomplish this and minimum on the big one and a 100 on the other (s). It would be easier if we didn't have to take short weekend trips every month (hotels and gas eat it up) However we'll make it. I just worry if this house doesn't sell (needs alot of work) when and if the transfer comes thru. I'm trusting the Lord to work things out on that. If he provides the transfer (which in the long run would save a mint) then he'll figure out the house thing.
October 27th, 2010 at 07:04 pm