I've received messages from someone telling me about some company to help reduce my debt.
Thanks, but honestly, I'm not interested in going through a company for assistance. My debt is not a problem for me, I'm not struggling, creditors are not calling me and I have a job...and a budget.
Also, after hearing Dave Ramsey talk so much about these rip-off debt consolidation companies, I would never want to go to one even if I was in a bad situation!
Things are under control and I'm feeling good about my plan! Though I must admit, I am a bit obsessed and have wondered what I will obsess about when it's all paid off and I start my 3-6 month emergency fund!
Showing posts with label plan. Show all posts
Showing posts with label plan. Show all posts
Wednesday, July 29, 2009
Saturday, June 13, 2009
Changed plan of attack!
Nearly two months have gone by since I last posted, but I am still on the get out of debt wagon! I've been doing well so far and have killed over $6,000 of my debt which is so exciting!
A few of my goals / plans have changed since then. Last month I did well on ebay and with the help of other funds I had available, paid off Capital One 2. This is the card that was only charging me 3.99% interest and that I had planned to pay off last due to the low rate. I decided that I just wanted it gone...and when they charged me a $39 yearly fee, that was it! I called them and asked them if they would remove the fee if I paid off my account and closed it. They agreed.
Funny thing though, you know when you try to cancel a credit card they do just about anything to keep you? Well, the man I talked to didn't even try. When he asked me why I wanted to close the account I just told him that I wanted to get rid of all my credit cards. No questions asked...and I was so thankful for that.
Now, all I have left are: Personal Loan, Car and American Express. I will pay them off in that order. In fact, I noticed my last post said that I would have the personal loan paid off by December of this year...that has changed. I now plan to pay it off by August/September!!! Next to be attacked is my car which will be paid off maybe by April/May 2010. The loan schedule shows it to be paid if full by Sept. 2011 so I'll be pretty early on that one. Last will be AMEX which could take me until December 2010 and hopefully not longer than that!
It feels so great to know that I only owe on one credit card and my total debts are only three! I can't wait to be FREE!
A few of my goals / plans have changed since then. Last month I did well on ebay and with the help of other funds I had available, paid off Capital One 2. This is the card that was only charging me 3.99% interest and that I had planned to pay off last due to the low rate. I decided that I just wanted it gone...and when they charged me a $39 yearly fee, that was it! I called them and asked them if they would remove the fee if I paid off my account and closed it. They agreed.
Funny thing though, you know when you try to cancel a credit card they do just about anything to keep you? Well, the man I talked to didn't even try. When he asked me why I wanted to close the account I just told him that I wanted to get rid of all my credit cards. No questions asked...and I was so thankful for that.
Now, all I have left are: Personal Loan, Car and American Express. I will pay them off in that order. In fact, I noticed my last post said that I would have the personal loan paid off by December of this year...that has changed. I now plan to pay it off by August/September!!! Next to be attacked is my car which will be paid off maybe by April/May 2010. The loan schedule shows it to be paid if full by Sept. 2011 so I'll be pretty early on that one. Last will be AMEX which could take me until December 2010 and hopefully not longer than that!
It feels so great to know that I only owe on one credit card and my total debts are only three! I can't wait to be FREE!
Subscribe to:
Posts (Atom)
Posts
