Debt Snowflake Month 4

So we are in the middle of June and I have made some great headway on my debt. I did not get all my student loan money in yet so I did not make as much as a headway as I would have liked however I was able to pay one of the cards off and I made headway on several other ones. I hope with my money that I get next month I am able to make more headway on the other cards and plan to add more to the amout of my payments.  So without further ado!!!

Capital one = May (3893), June (3626) = -267

AAMCO = May (375), June (0)= -375- Woo hoo paid off

Rooms to Go = May (1397), June (932) = -465

USAA= May (8079), June (7823) = -256

Best Buy= May (1337), June (998)= -339

Personal Loan= 1000- still owe

March Debt = 17194
April Debt= 16505
May Debt = 16056
June Debt= 14379

Amount of Debt Paid off from March to June= 2815(16.37%)
Amount of Debt paid off from May to June = 1677 (10.44%)

Debt Snowflake Month 3

Well another month has come and gone and we now facing heat in beautiful Texas. I am sure by August I will be begging for snow.  May was another month of challeneges in getting my debt paid down, however I am trying to pay extra but it seems like I am running into major challenges. This month was not getting my travel check ontime and having to buy birthday gifts. However as we head into June I am waiting on about 5k in student loan and reimbursment from the state for school. Yes I know student loans will need to be paid back but I want all the other debt paid off before I start paying on those wonder full loans. I will update later this month once I pay on all of my debt and may even be able to pay some off.


Capital One = 3999 (April), 3893 (May)= -106

AAMCO - 375 (April), 350 (May) = -25

Rooms to Go- 1510(April), 1397 (May) =- 113

Besy Buy - 1319 (April), 1337 (May)= + 18- This one has made me so mad becasue there is a fee that I did not authorize so  I am contesting it

USAA- 8302 (April), 8079(May)= -223

Personal Loan - 1000

March Debt = 17194
April Debt=  16505
May Debt = 16056

Amount of Debt Paid off from March to May= 1138(6.62%)  
Amount of Debt paid off from April to May = 449 (2.72%)

Debt Snowflake Month 2

So I have decided to update monthly regarding my debt pay off. I have hit a few road bumps and had to add some debt back on my credit card however I am stil praying that I can have a good bit of the debt paid down by October. I am also hoping to start putting money aside. As I mentioned my debt pay off was not the best however I am still working on paying more than the miniumum

Capital one =3985(March), 3999(April)= + 14

AMMCO = 500(March), April ( 375)= -125

Rooms to Go = 1634(March), 1510 (April) = -124

Best Buy = 1315(March), 1319 (April) = + 4

USAA =8760(March), 8302 (April) = -458

Persoanl Loan 1000

March Debt= 17194  April = 16505, Percetnage of Debt paid = 689 (-4%)

I will have antoher update at the end of  May

Forgiveness

"To forgive is to set a prisoner free and discover that the prisoner was you."
Lewis Smedes

While going through my divorce I have been seeing a therapist to help me heal from the hurt of my past and the hurt of my divorce. As my therapist says going through divorce is worse than losing a person to death. She also says going through a divorce where the ex spouse has moved on is even harder because it makes the person who was left behind question everything about themselves. Well trust me I have definitely questioned several things about my life. This past week my therapist asked me to write down a list of things that I need to forgive that I did during my marriage. This has been extremely hard because I made so many mistakes in my marriage. I was talking to my best friend Brandi the other night and she said something to me that made me stop and take notice.

I said that I am afraid of getting into another relationship because I don't want to do what I did again. What she said that was so profound was that I am settling for men (I have gone on a few dates) who have no potential then because I don't have to worry about getting serious or making those mistake.

Well let me tell you I have been thinking about that for over 24 hours. She was right I am settling because I am worried that I will blow another relationship/MARRIAGE by not dealing with the issues I have. However I am slowly working on those issues.

Now I am sure what issues am I talking about. Well these issues also have to do with what I have to forgive myself for. So in no random order here are my issues from my marriage that I need forgive myself for so that I can heal and move on

1. Throwing a candle at him( I only did this once) I regret this daily
2. Thinking about cheating on him (Never did but there were times that I was tempted)
3. Telling him he was fat and lazy
4. Cursing at him daily
5 expecting him to do more than I was willing to do
6. never listening to him
7. Not learning how to relax
8. stressing about money (I will explain)
9. Putting pressure on him to have another baby
10. baby #3
11. Not respecting him
12. Thinking he should work more hours


The reason why number 8 needs a long explanation is due to my past and his. I grew up with a mother who always made it seem like we had no money and then when I moved in with my dad and step mom I worked to help out with bills for my car. Well as you can imagine as life progressed I would budget out money down to the last penny. There was a time we had enough money in the bank and I was still freaking out. In the end mt ex though I only needed him for a check. I never looked at him that way but I definitely can understand why he thought I did.


There are some others on the list I would rather not discuss on the blog however please know that I am learning how to forgive myself for every item on the list. I know that the only way to move forward is to let go of the past because if I continue to live in what happen I will miss what should have been.

Any prayers would be greatly appreciate why i work through my issues.

Debt Snowflake Challenge

So Melissa over at momplans.com has been doing a debt snowflake challenege where you work to get your debt paid down by using money that you "find". I have been debating about doing this because with my divorce and everything I have alot of debt. Alot of the debt I have has been incured becasue of my divorce hwoever I am hoping to be completey credit card debt free by January 2013. I also have alot of student loan debt that I will start paying off ina few years and a car payment that I would love to have paid off before I graduate from Grad school. Below is the amount that I have current as of March 1st 2012.


Capital One- 3985

Gemoney-1634

Best Buy -1315

USAA-8760

AAMCO-500

Personal loan-1000

I this is a combine total of 17,194 just in credit card debt.