Zero.

Zero is beautiful, you guys.

Maybe not when that’s the number in your checking account, or how many calories you have left in your allowance for the day.. but when it’s the number on all of your credit cards? BEAUTIFUL.

It’s the second time I’ve paid off several credit cards. And the last.

I was so angry with myself for letting them get racked back up [not long] after they were initially paid off about 2 years ago. I had an excursion to Europe (where the exchange rates are just terrible when converting American dollars to the Euro and pounds, unfortunately) and Christmas that followed paying off those credit cards and well, one thing led to another.. and they got pretty high again.

2013 has been a year focused on aggressive financial changes and I’m happy to announce that I made my last credit card payment & all card balances are back to ZERO and that I’ve completed goal 3 of 13 in 2013 much sooner than I originally thought I would.

It’s been hard work, the past few months but it feels AWESOME to have no credit card debt.

Next challenge is socking that extra monthly cash allowance that was designated for credit cards straight into my car.

I’ve heard that money doesn’t buy happiness. But I’ve also heard recently that money buys choices.

What could you do with extra money in your pocket?

In a few months I’ll h ave no credit card payments and no car payment.

Oh, the possibilities!

happy day

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WHIRLWIND.

This year I made a big plan to make a lot of changes. I made 13 goals, I seriously considered the ways I was going to implement them and I committed myself to the goal of getting out of debt. I set up a plan to do that by keeping my regular job and working my Mary Kay business. Recently I was given the opportunity to take a day job that would work around my current night job and still allow me to have weekends free. I took it. In theory this second job (in addition to the first and Mary Kay business) would allow me to catapult my get out of debt plan and allow me to get there 3 months earlier than I had planned as well as use those extra couple of months to sock extra money into savings/paying off my car early (a goal I set for the end of the year). I must be old because these 60 hour weeks are KICKING MY TAIL.

It’s been 2 weeks of straight through 10-10 and Mary Kay on Saturdays and household chores/shopping/cooking/cleaning. It’s busy. But it’s worth it because of my four cards with balances, I’ve already paid off one! The second one is a joint card between Josh & I and we’ve each been paying $100 bucks every month and converted to a cash only system for all joint spending – that will be back at zero next month.

Screen shot 2013-03-10 at 7.27.39 PM

The third card will be paid off next week and a little more than half of the last card at the end of the month. So as my March calendar with big red X’s indicates – I’ve got another 3 weeks of straight through 10-10s and then I can take it back down a notch.

It’s exhausting. Last week, when we didn’t prep all of our meals for the week – it was stressful all week. We’re back on track this week at least with the household things and we have meals for every day this week ready in the fridge or freezer, grab and go style. It’s also exhilarating. Being debt free opens doors. That dream job, that dream house.. that vacation we never take because there’s somewhere else that money should really go…

Soon to be a thing of the past.

Do you have any debt? Do you just deal with it as a part of life and still enjoy the little things or does it hang over your head like a weight? Or am I just a little too OCD for my own good? 😛

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