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CCs Paid Off!

April 26th, 2016 at 06:35 am

It feels good to have no CC debt anymore! Just made the payments. I've got to say that dropping $4,263 on anything that isn't a vacation is a bit rough... but it's certainly freeing.

In total, I was able to contribute $6,172 from my tax savings to our personal funds, so there was even an excess of $2k after paying the cards off. And now things are back to square one. I think that's the best part. I'm saving about $40/month in interest payments, and I generally was paying $200/month in payments. That's money that we can either put toward our savings goals or to pay extra on my student loans. And my credit score will definitely see a nice uptick.


Finally went and closed my PNC accounts the other day, so now I'm just operating out of our joint account. I want to go in with DH and open a savings account soon, and he said he's fine with that idea. We may as well be earning a bit of interest on our savings. We'll get one of the higher-tier accounts with US Bank because I'm a prior service member (a fun perk that I wasn't aware of until we opened our account).

The only other account that I need to close is that stupid Toyota credit card that I never actually signed up for years ago. I've had it around for emergencies, but it seems silly to have 4. I'd like to close the PNC CC as well, and still might, but it's my longest standing line of credit... so I'm a bit hesitant. But at this point, again, we're not really looking to get loans any time soon. So it's probably not that big of a deal. For the sake of simplicity, I think I'd rather just have my 2 Chase cards.


Yesterday had a field day with my nightmare client, but by the end of it she was singing my praises and her invoice has been sent. Needless to say, I will not be working with her again. Headache.

Decided to jump on Freelancer.com and bid on a couple of projects. I got one, and so I've got a nice little design project to do and a couple hundred more coming in. It's going to be a busy week. I'm also doing some pro bono work for the local chapter of a national nonprofit that I really support. They'll be giving me some advertising exposure in kind, but I'm just excited to be doing something for a cause I'm passionate about.


Dietbet is going really well. I'm now at 158.8, and just a few pounds away from my (actual) goal weight! We did break down and get takeout from a lebanese place nearby last night - a friend came over and we didn't really have enough for everyone if I cooked. I was also exhausted after our workout. So womp womp. I only got some chicken lentil soup, though - so at least it was good for my diet.


That's it for now. I hope you are all having a lovely week!

6 Responses to “CCs Paid Off!”

  1. CB in the City Says:

    Congrats on the payoff!

  2. creditcardfree Says:

    Yippee! No credit card debt. I'd say send thatpayment money to your student loan...otherwise it may be around forever!

  3. Petunia 100 Says:

    It's great news that your credit card debt is history. I can't help but notice that "set up IRA" is one of your goals. Here is your encouragement to get it done: I encourage you to get your IRA set up. Middle age sneaks up faster than you believe possible, and I don't doubt that...umm, middle aged with some previous experience does as well.

  4. VS_ozgirl Says:

    Yay! Congratulations on knocking off that credit card debt, great work Smile

  5. pjmama Says:

    @creditcardfree: That's definitely what I'm thinking! Also looking into consolidation. Sick of having that debt looming over me!

    @Petunia: We're definitely setting up the IRA in the next month. It's been on the list for months, it's just a matter of sitting down and doing it. But you're completely right - the sooner the better!

  6. FrugalTexan75 Says:

    Good going on the dietbet and credit card payoff!

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