Okay, I made a mistake. I used my Discover card to shop for Christmas. Using my envelope system, I’ve saved money week to week for shopping. I got 5% back on Amazon using the card. But still, that $0 balance I just managed to achieve ballooned up to over $200…. It’s a huge step backwards, especially having just closed the old card and switching my account number to prevent online shopping.
I have the money for gifts saved (mostly, maybe short $20-40)…. I can pay off the card right away. That’s the trick now – NEVER TOUCH THE GODDAMNED CREDIT CARD AGAIN.
I put $835 towards my Chase credit card during my last paycheck… That’s a lot of overtime again as well as the payments for Upstart and Discover funneling into that credit card. For the first time in MONTHS, the balance on my Chase credit card is BELOW my maximum… Only $13,600… Oh well, it’s still a step! My check next week should see me putting almost $1,000 more towards that balance.
Christmas can be stressful, but the extra work certainly helps. Come January, I don’t know how much overtime I will be able to pick up. I need to take everything I can get NOW!