It's been forever since I've written anything on here..I still am credit card free, I think I'm going to stay that way for a long time. I know how I used them for completely unnecessary things and I don't want to do that again then have to struggle to pay them off.
This summer I wrecked my car coming home from work, I wasn't injured except for some bruises, but my car-that I almost had paid off was totaled...so I got a new Ford Focus and new car payments to go with it. It was weird how it worked out though, the back where I got the old loan for my first car wouldn't loan me the second loan without having a co-signer...maybe their reasoning is related to the horrible economy??? I don't know, I've made all my payments on time with them, and had the same job for the past 12 years..so I didn't get why they wouldn't loan me money the second time around.
Anyway I went through Ford Credit and my monthly payment is cheaper now that the loan payment was through the bank.
I got some additional money for missing work after the wreck and have managed to stick some cash back here and there...so right now my savings account has $500, in it and a savings account tied to my checking has another $500...I'm 38 and that is the first time in my entire life that I have been able to keep anything over a hundred or two in a savings account without spending it....That's my big goal for the rest of 2012 and all of 2013-to keep those amounts in there and add to it on a monthly basis.
Another goal I have is to cut down on my spending..that's going to be really tough..I work in a large retail store and it's way too easy and tempting to buy something every day.
My debt right now is the car loan and the loan I got during my last year at college to pay my last two semesters. That was a huge mistake on my part, I should have thought twice before accepting it, even if it would have meant taking some time off before graduating. The payments for that loan is the same amount as my car payment, so it's very doable with my income, but I really wish I would have thought it through before taking it. Live and learn I guess.