[-$5,000] Holding Steady

The Job

My job continues to be exhausting in all ways possible. I’m dragging myself through each day, or more accurately, the days are dragging me. Every week feels like a tour of duty…

Housing

Someone has rented the vacated room, so my portion of the rent is returning to normal now that I have three roommates again. *Cue rendition of the Hallelujah Chorus*. We didn’t have the luxury of being picky this time around, so we’ll see how it goes…                                      Read More

The Last 5 is the Hardest to Lose: Hitting a Debt Payoff Plateau

debt plateau

I’m getting more and more frustrated about getting out of credit card debt. I feel like I’ve been holding at 6k remaining in CC debt forever. If you’ve ever sought to lose weight, you know the saying that the last 5 lbs is the hardest to lose. I feel that the last 6k is becoming the hardest to kill.

I’ve spent more money than intended on shoes lately. I started with buying two pairs because the ones I wore before were about 5+ years old, uncomfortable and worn out – literally with holes opening up in them. One of the new pairs (casual) is still ok, but the other pair (for work) turned out not to be very comfortable for long distances. I bought another pair only to suffer the same fate. I bought a third pair and had the same thing happen. They felt great at first but couldn’t hold up after a lot of walking during a typical workday. I’ve burned money in pursuit of comfortable work shoes, yet I’m still hobbling home in pain after work because my feet hurt.

I had some overdue dental work done last week and got slammed with a $1085 bill. That’s not a typo. I’m hoping that my dental insurance will cover some of it at least. It was dental work that had to be done otherwise the consequences would have been bad and even more costly. Plus, my dentist is one of the best in the business, so I know the work will last. Actually, I don’t have any regrets about it. What’s done is done. It’s just that these things are not helping me make any traction on this stupid debt. I work two long stressful weeks at a time, waiting for my paycheck, and when I finally, fiiiinnnaaalllyy get it, something takes it before I can put it toward this debt. I just feel like I’m never going to pay this card off. Arrggghh!!

Two years ago today (11/27/2012) I made my first post on this blog. I was $30,000+ in credit card debt and resolved. I’m thankful for having the opportunities that I’ve had to shave my expenses and earn enough to pay down my debt to $6,500+. However I know how much further ahead I could and should be at this point. Enough. It’s time to practice patience.

“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW)