January CC Update: $12,618

CC1 was: $993
New Balance: $596

CC2: Was: $2648
New Balance: $2568

CC3: Was: $4813
New Balance: $4754

CC4: Was: $4762
New Balance: $4700

Old Total: $13,216
New Total: $12,618

for a difference of $598, sigh, so not the progress that I had been planning during the December update when I was high off of my extra paycheck. I'm really crossing my fingers that CC1 will be gone next month. The only complicating factor is a bunch of business travel, which I'll get reimbursed for, but it still makes me uneasy.

Again and again, paying off credit cards has proven hard and a long slow process for me. I make lofty promises to myself and fancy spreadsheets, but then I get caught in having $7 in my checking account and a week to go until the next one with food being a necessity and then the evil cc is back in my wallet tempting me...baiting me...and I am weak.

Here's to hoping I'll make a bigger dent in February.

Also, am considering transferring part of CC4 to CC2 to take advantage of a 0% interest, but CC2 only has a $5,000 limit plus I have to take into account fees and what not. CC4 has a 13.9% interest rate. I hate CC4, it's the credit card I got in college and have perpetually had a balance on. I think they are catching on that I've been making steady payments though because they keeps sending me special "rainy day" checks. Ha! at least I'm smart enough not to fall for that ploy.