Current Credit Card Debt- 06/09/2012

For now I'll only be focusing on getting rid of my credit card debt. But don't worry about me being completely finished anytime soon, I still have student loans, a car, and my home loans to deal with.

Citi 2- $50.30
Arvest- $1016.16
Citi 1- $7677.94
Total CC Debt: $8744.40
= 48.78% reduction

Just FYI, most of this is due to my 2011 end-of-year bonus & my tax refund. But I'm not complaining :)

Dec 2011 Credit Card Debt- Starting Point

Here's my starting point:

Citi 2- 5789.00
Arvest- $2498.85
Citi 1- 9638.00
Total- $17925.85

I'm Baaaaack!!!

Well I've decided to give this another try. It's been two years since my last post and plenty has changed in my life, except for owing on these stupid credit cards. However, I seem to be on the right track at this point, so I'm hoping to keep up the momentum. I restarted my focus on my finances at the end of December '11 going into Jan '12, and it should have been much sooner! I think I literally ignored my money for 2 years. I had no budget, and no plan to improve my situation, so of course it just got worse. I was spending money to try and survive and spending more money to try and find a momentary happiness while I was in a stressful, dreary situation.

On a personal note, after my divorce to the father of my 2 kids, about 8 months later I got married to someone I barely knew. The marriage was a mess and I supported this guy and my family for a full year while he had no job and no true intentions of getting a job. This obviously didn't help my money situation, and me ignoring the money was my only way of having the emotional capacity to cope with everything else I think.

So on a brighter note, I'm finally able to refocus on myself and my financial situation, and it's greatly improved since December. Thank goodness!