My credit card debt is $10,989.
That's down from my all time high of about $16,000 two years ago.
Don't celebrate yet.
I haven't been totally honest about my financial life.
I'm not doing too great.
By that I mean that I am not making good choices. They are small choices, but they are thwarting two things that are the most important things to me right now: being out of debt and being married to my guy.
Like I said, they're little things. For one thing, love my laptop, but it was $1,250... and I charged it. Why? I didn't have that kind of cash to spend on one thing.
That's bad Personal Finance 101.
For another, my guy and I didn't foresee how badly his job search in TN was going to go. Perhaps instead of saving for a big expensive wedding, I should have used the money we saved in the seven months he was here to hammer away at my debt. I'd owe about $8,000 right now. A considerable difference and one that would have made my cc debt free by 30th birthday goal attainable.
And, frankly, I didn't do what I'm always telling y'all to do: have a realistic, measurable, achievable plan!!! Underneath all my counting, spreadsheets and calculations I was still doing phantom math. I still didn't have a discernable goal. My debt repayment plan was a lot of "if this, then maybe that I hope" instead of "I need to this first followed by this, and then this to make sure I put down this much and pay it off within this many months."
I appreciate all of you sticking with me through this journey. I appreciate the pats on the back and I appreciate the advice. I'm not a total slacker, but I just couldn't pretend that I had it all together when I totally don't.
All right. I'll be spilling my guts all week, so those of y'all wiser than me, please feel free to share wisdom, chastisements, and step-by-step instructions for your wayward sister who is trying REALLY hard to get it all straight.
As a wise PF blogger friend told me, it's not enough just to HATE debt, I have to have a good plan to eliminate it.
I'm working on it. Sometimes I'm really good and sometimes I fall off. But we get back up, right? Yeah