I Froze My Credit Card

Okay, I actually only put it in the freezer just now, so it’ll be a while til it turns solid, but whatever. The fact is, the balance continues to climb – it’s $100 or so higher than a month ago. I had thought before that if I make sure to pay it down to or below the previous balance, everything would be just fine. Of course, facing reality, I know I don’t have that kind of discipline.

A month just ended, and as such, I updated my ClearCheckBook (because I don’t keep up with it and find it easier, for some reason, to spend an hour going through online statements and trying to remember what certain purchases were). My biggest concern was my checking account, since that’s the one account (obviously) that I really need to keep track of the most. I was bothered, though, by the very high balance on my slip when I deposited my paycheck the other day. Running through everything, though, it looks like I really do have that much money – after I pay my rent, I’ll have over $300 left over. To throw at debt, including sending some money to my sister, of course.

I also got my electricity bill a couple of weeks ago. I’m only paying it now (but still a week before the due date), but surprisingly enough, it’s only $19.79. That’s for a full 32 day billing period, whereas my last bill was $25.57 for only 23 days. Looking back at my last bill, that included a $12.50 “service charge,” I guess for setting up the new account. So, rather than expect $30/month, I guess $20 is closer… for winter, anyway.

Although having an extra $300 is great, I expect that without using the credit card as much anymore (it still pays for various online expenses), I’ll be stretched thin quite a bit more in the coming months. Especially when you figure my payment is a little over 200, and I’m 100 more than last month’s balance, that’s $300… plus the possibility that the $100 or so in interest hasn’t already been figured in to that equation… yeah. BUT, I’ll at least have a better picture of my financial health.

P.S. I need to start taking more overtime! This last check, I had 5.25 hours of overtime that I don’t even remember, which amounted to about $70 – and can you believe I actually passed up double time last week!? I was exhausted, but I’ll be damned if I haven’t regretted it since!

P.P.S Emergency fund now stands at $594.20 – almost there!

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