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Numbers Numbers Numbers Numb --

So, in the last two months, we've paid down over $4,000 in credit card debt. Check it out! --

CreditorInterest RateOwed
Amazon Store26.49%-731.24
JetBlue22.24%-333.82
Chase Visa22.24%0.00
Chase Amazon Prime18.99%0.00
Barnes and Noble16.24%0.86
Chase Slate13.74%0.00
Chase Freedom12.74%-454.26
CU Signature Visa 211.24%-18.85
Bank A Signature Visa11.15%0.00
HELOC8.50%-87,190.28
CU Signature Visa 18.40%-762.99
Car loan2.90%-44,762.00
Bank A Balance Transfer0.00%-5,929.57
BankAmericard Platinum0.00%0.00
BestBuy0.00%-44.20
Citi Diamond Preferred0.00%-0.00
CreditFirst (Firestone)0.00%-75.38
Lowe's0.00%62.52
Total CC Debt-8,286.93
All Debt-140,239.21



Yay us!

Oh, and also (cough, cough), we added almost $45,000 in vehicle debt. Sigh.

We haven't completely lost our minds. The interest-charging credit cards are being used for convenience and points, and are paid off at the end of the month.

The focus for the rest of 2019 will be:
  1. Keep paying off the interest-charging cards as they're used.
    Spouse dislikes paying interest, but doesn't share my potent combination of irritation, anxiety, and disgust at it.  It's a small problem that can become large if I borrow Spouse's rose-colored specs for too long.

  2. Max out our 401k and HSA contributions.
    This could get a little complicated, because my contract ends this summer, and I don't have a new one lined up yet. The contractor I work for is wonderful -- it's amazing I even have access to a 401k -- but my contributions were scheduled based on the contract running through the end of the year.  I don't think I can feasibly hit the yearly max by the end of the contract, so I need to spend some time next weekend figuring out how much I can reasonably goose those contributions in the next few months.
    It would be a huge relief if I could get signed for a new gig before the end of this one, so I can manage those contributions as well as continue to draw a paycheck.

  3. Concentrate on the HELOC payoff.
    It's not merely our largest debt -- since we're back to paying off the credit cards monthly, it's our highest interest rate. Paying the ginormous interest on this thing every month is just sandpaper on my soul. 

Truthfully, I feel resolute, but also pretty depressed about our status. I know it's possible to pay off $140,000 in under a million years because Double Debt Single Woman is almost finished doing it. (Go, DD!) But I've never owed so much money in my life. 




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