Thursday, February 2, 2017

Payday High to Next Day Low

I read this sentiment a lot in personal finance blogs, or more specifically, in debt blogs. Payday comes and you have a high for 10 minutes then… *poof* all your money is gone and you are waiting for payday again.

I love logging into my account and seeing money there. I check it religiously EVERY payday. Then I sit down and pay all our bills and debts and the money is gone. I can’t wait for the day when payday is just another day. Or when I log into payday and instead of transferring my money to other people, I can transfer it into my savings account.

I know we dug this hole ourselves, but the “daily” grind of being in debt gets old. And not just any old debt, credit card debt. I cannot wait to be credit card debt free. With any luck, I just have a few more months of that self-created hell left.


On another note, we have received all of our tax documents so we can begin to do our taxes. I’m really hoping to receive a return that will take a chunk out of our credit card debt. Our tax return, combined with my “lump sum” payment from my raise, and our regularly scheduled payments, should bring our credit card debt down to a much more manageable amount. Here’s hoping to credit card debt freedom.

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