Yes, I've been absent and I've been bad so I've been honing my avoidance skills. Let's see the damage:
Student Loan #1 - $3,025.06
Student Loan #2 - $33,388.18
Credit Card #1 - $9,530.29
Credit Card #2 - $3,165.68
IRS Bill - $4,618.65
State Tax Bill - $86.70
Total (3/26/13) - $53,814.56
Emergency Savings is a laughable $200.
I'm going to have to shape up.
Updated Debt
March 26th, 2013 at 03:23 pm
March 26th, 2013 at 03:37 pm 1364312245
March 26th, 2013 at 04:15 pm 1364314520
Are there any expenses you are willing to reduce/relinquish short term to add to cash flow and move forward? Have you called CCs to request lowering interest rates? It takes several layers to get to decision maker
March 27th, 2013 at 12:31 pm 1364387512
What happened with me is that I increased that goal each month - Say I paid off $800 of debt in month one, and in month two, I paid off $810 of debt. Month three, I wouldn't be happy unless I paid off $825 of debt.
There may (hopefully) be certain months when you get a small windfall of money, and you pay off $1,200 in debt, and you know you can't pay $1,201 the next month. Or there will be another month when you have unavoidable expenses, and you only pay off $475 in debt. So, you just jump back a couple of months and shoot for for $830 the next month.
That's what seemed to work for me.