Best Laid Plans

I have all these plans of where I want my money to go, and that’s just what they turn out to be… plans.

I have heard (really read) this from so many different blogs, once you start working on getting out of debt, people needing money and bills come out of the wood word, but I don’t agree with that. I think when you start paying off debt and stop swiping your credit card, you pay more attention to where your money is going and you try to figure out how to meet your needs with cash. It’s not that more people are clamoring for your money, it’s that you are making a conscious effort to put your money (not your credit card) where it needs to be.

With my upcoming paycheck, I was supposed to make another payment to the credit card in the amount of $535. Then we got a bill from the lawyer who is doing our trust. We need to give her a check for $376 for title and filing fees. This is another case where I’m so glad we had the money to pay this “bill”; but I’m sad we can’t send as much to the credit card as we intended.

I have already sent two payments to the credit card this month totaling $759. Our minimum payment is $496. I will still make another payment of $159. And then one more payment of $166 before the billing cycle closes. I will make a total of $1084 in payments. In one sense I feel like that’s awesome. In another sense I’m bummed it’s not the $1500 I was anticipating.

I need to try to look on the bright side, though, and be glad we have the cash to pay the bill and that we are still making progress on our credit card debt.