The Bottom Line

Credit Card Debt $37694.34

Student Loans $19335.18
Personal Loans $2750.00
TOTAL $59,779.34

So its a big number, much bigger than I thought!

The good news…I made a list of things to start doing when I started this blog, here is an update!  All of my to-accomplish items were done!

My Accomplished List
1. Called Credit Card Number 1 and applied for a payment plan – and it was approved!
2. Canceled my luxury wine shipment
3. Started my spending diary
4. Started this blog!
5. Create list of credit card debt and interest rates – done
6. Create my budget of what must be paid each month – done
7. Bring lunch to work tomorrow – done – I have every day!
8. Canceled long distance

Whats Next to Accomplish
1. Start paying down debt, goal of $59,100 next month at this time
2. Spend less that I make in a month
3. Get one more credit card into a payment plan program
4. Cancel 2nd Tivo (this is a hard one-)I have been working on hard lately…looking at my expenses since June, coming up with a monthly budget, and today I got the final totals on just how much I owe. Yikes!
5. Figure out how to have a running tally of debt on the right of this page and what I have paid down so I can see how far I have come!
6. Cancle netflix – I dont use it its a waste of money for me!