Actually6Foot3
Veteran
honestly a lot can change in a year. I'm BYKE!!
I was looking at my January statements from last year
CC #1 $ -7222
CC #2 $ -5085
CC #3 $ -2855
CC #4 $ +15.15
Savings account: 0.03
Checking account:1700
A nikka was in the fukking HOLE and literally BLEEDING money to interest charges (CC #1 took $600 in interest alone through 7 months before I transferred the balance.I'm scared to add up the total interest across all three cards, don't need anymore negativity in my life LOL) worst came to worst when my grandpa died At the end of January. I spiraled for the next 6 months. Made very little money(I work on 100% commission) .
Imagine only having enough to for the $125 minimum payment then getting slapped immediately with a $105 interest charge
Things came to a head in July of last year. I tried harder at work. Paid down what I could, opened up a new CC(LOL) at 0% APR and lied about my income so I could have a higher limit. Balance transferred about 10k and spent another few thousands paying down and as of today I'm debt free!
Now I'm paid off on ALL my CCs and have roughly 15k in savings
I hadn't really thought about how far I've come in a year until I sat here and reflected looking at the numbers.
Thankfully no student loans since I'm a drop out
I was looking at my January statements from last year
CC #1 $ -7222
CC #2 $ -5085
CC #3 $ -2855
CC #4 $ +15.15
Savings account: 0.03
Checking account:1700
A nikka was in the fukking HOLE and literally BLEEDING money to interest charges (CC #1 took $600 in interest alone through 7 months before I transferred the balance.I'm scared to add up the total interest across all three cards, don't need anymore negativity in my life LOL) worst came to worst when my grandpa died At the end of January. I spiraled for the next 6 months. Made very little money(I work on 100% commission) .
Imagine only having enough to for the $125 minimum payment then getting slapped immediately with a $105 interest charge
Things came to a head in July of last year. I tried harder at work. Paid down what I could, opened up a new CC(LOL) at 0% APR and lied about my income so I could have a higher limit. Balance transferred about 10k and spent another few thousands paying down and as of today I'm debt free!
Now I'm paid off on ALL my CCs and have roughly 15k in savings
I hadn't really thought about how far I've come in a year until I sat here and reflected looking at the numbers.
Thankfully no student loans since I'm a drop out
We ouchea. I'm paying of my last cc myself and then all I have left are car payments. Bout to drop $2k a month to hammer this CC and be done.
