Wow. I nauseated myself with that title.
So, until a week ago I was feeling rather proud, and prudent. I had dialed back the debt pay-down in order to maximize cash on hand for when my contract expires at the end of June, but still had managed to bring the total down by about $1,000. Not bad, I thought, while paying for a new (gulp) car and the rest of our responsibilities.
And then the water heater went.
The imaginary friend who reads all my posts and gets all my jokes no doubt remembers my post from the beginning of the month about covering rental repairs. If that's not you, then (1) Yes, we do that and (2) Why? Reasons and (3) Yes, we've done that this time, too.
It's on an interest-free-for-six-months card from Lowe's, but it's still an additional $844.80. And that leaves us at this:
Sigh. And also, did I mention, sigh?
So, until a week ago I was feeling rather proud, and prudent. I had dialed back the debt pay-down in order to maximize cash on hand for when my contract expires at the end of June, but still had managed to bring the total down by about $1,000. Not bad, I thought, while paying for a new (gulp) car and the rest of our responsibilities.
And then the water heater went.
The imaginary friend who reads all my posts and gets all my jokes no doubt remembers my post from the beginning of the month about covering rental repairs. If that's not you, then (1) Yes, we do that and (2) Why? Reasons and (3) Yes, we've done that this time, too.
It's on an interest-free-for-six-months card from Lowe's, but it's still an additional $844.80. And that leaves us at this:
| Creditor | Interest Rate | Owed |
| Amazon Store | 26.49% | -403.99 |
| JetBlue | 22.24% | 0.00 |
| Chase Visa | 22.24% | 0.00 |
| Chase Amazon Prime | 18.99% | 0.00 |
| Barnes and Noble | 16.24% | 0.86 |
| Chase Slate | 13.74% | 0.00 |
| Chase Freedom | 12.74% | -239.96 |
| CU Signature Visa 2 | 11.24% | -675.85 |
| Bank A Signature Visa | 11.15% | 0.00 |
| HELOC | 8.50% | -86,960.98 |
| CU Signature Visa 1 | 8.40% | -827.49 |
| Car loan | 2.90% | -44,112.23 |
| Bank A Balance Transfer | 0.00% | -4,942.52 |
| BankAmericard Platinum | 0.00% | 0.00 |
| BestBuy | 0.00% | 0.00 |
| Citi Diamond Preferred | 0.00% | 0.00 |
| CreditFirst (Firestone) | 0.00% | 0.00 |
| Lowe's | 0.00% | -844.80 |
| Total CC Debt | -7,934.61 | |
| All Debt | -139,007.82 | |
Still don't have another contract lined up for when this one ends. I'm plodding through a certification course for one of the apps I use, hoping that will burnish the resume somewhat, but it's been slow going, anxiety and depression not being key contributors to attentive studying. And of course, the course and exam represent additional expenses...
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