January 10, 2008
Bigger Breakdown
Now that I've taken a chunk of my overall debt and spread it out over a 5 year period of repayment, I have to stay proactive and keep it front and center 24/7. I realized last spring/summer as the credit cards were being payed down, I started slacking, getting distracted, cocky even. So this year, I commit to posting monthly updates on where I'm at with the first fifth of my debt goal, $10,624.36.
With that amount, @ the very least I'll pay off all the smaller credit cards:
PayPal Buyers Credit
Capital 1 Visa
Old Navy Card
Orchard Bank Card
Ga Taxes
Toyota Car Loan
Capital 1 Gold
and $1900.72 toward Williams and Fudge.
God, if I can knock out 6 of 11 debts and *only* have student loans and taxes to deal w/for the next 4 years, I'll be pretty proud of myself.
Now how the hell am I going to pay 10624.366 in a year, easy, 885.36383333333333333333333333333 a month *snerk*
Seriously, here's what I'm thinking. So long as the 9-5 covers minimum payments, I need to make $500-600/mo in my 2nd and 3rd gig. I was netting a bit more than that in Nov and Dec, but hours are drying up and I personally cut back my availabilty. Working 80-90 hours for 2 months w/no days off meant I was heading for a burnout, I made a mental promise to take it easier in January, relax a bit trim my hours, being happy w/10 hours a week from Job #2 and 20 hours a week fro Job #3 and by February, I'll ramp things back up again.
Plus, I have been making a bit of extra loot on the side (more on that later) but herein lies my next obstacle, I am 3 days away from giving my 2 week notice on Job #3 [insert scary music now] and I don't quite have a back up plan to make up the money. I'm really doing this all on faith that something will come to me. I haven't been doing nothing, I have some leads and put my feelers out in the last week, but it's hard to get my resume and interview face on when I am working every night. One of the benefits on leaving is, I'll free up a few afternoons and hopefully I'll get another gig w/in 2 weeks or so. Oh and more on why I decided to walk away later too
10:52 PM in 2nd Job, 3rd Job, Bonus Monies, Credit Cards, Facing Fears, Loans, Taxes
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