A late payment from a winter sidejob came through and cleared at the same time as a four-day paycheck today.
Which means, how we spent it today is going to involve MAGIC.
Behold! Imagine in your mind four credit cards.
You look away from the table – only for a moment – and when you look back there are only three!
We were going to do the Amazon.com card first because it has the lowest balance but my husband asked if I could do the Walmart card so we could never use it again and I said, “Sounds good.”
Because it doesn’t matter.
The level of debt we have and the number of cards we have means that picking between the interest rate first method or the lowest to highest balance method don’t matter. All that matters is paying them off so if he wants to do Walmart? Fine by me.
I worry, of course, that what I really should do is just hoard the money just in case.
But we all know that won’t help.
So today is payoff day for a credit card.
I’ll be over here celebrating with a cup of black instant coffee made with my trusty teapot.
The one thing I hate about checks is when the person you give them to (I’m looking at you, school) doesn’t cash them for weeks. Like, seriously, you’re just being mean. I’m lucky I have a bank where I can enter those checks in and be regularly reminded of them.
Sure, I could balance and track my checkbook on paper but let’s be honest, who does that anymore? Anyone? I never did. I used to track my checkbook in my head and now I track it online and with the bank’s app.
I don’t know if it’s anyone else’s but between this and the Costco meat in my freezer I really feel like I’m starting to live the life I’ve always imagined.
A life where I’m not afraid all the time.
So we paid:
- $779.11 to payoff the Walmart card and now it’s in the safe.
- $32 Capital One minimum payment.
- $151 to the Chase Visa for the automatic bills that go on the card. (Ins, Internet, Cell Phones)
- That leaves $28.99, so I put that on the Chase Visa, too, because why not.
- As always, $200 for gas and iPass and toilet paper for the week. Mostly gas and iPass. We don’t use THAT much toilet paper!
I reversed the plan for sure, but it’s all the same money going toward the same debts.
I know I seem a little flighty with the money right now but…well…no but, really. I’m feeling flighty and kind of devil-may-care. Next week will be boring. Just the car payment and living expenses. On the bright side I’ll be able to pay both and still be on track to paying the car off in November. (It’s a long shot, but hey, let’s have a stretch goal for once, right?)
Dreaming big. Hoping for a pre-Christmas car payoff. It would be a great way to start the new year for sure.