I've just made the final payment to Visa. Balance is zero. I am so relieved! Thanks for being part of my journey. Happy dance!
Viewing the 'Pay off Visa, starting balance $5,014, now at $0 - Happy Dance!' Category
I was very surprised to see my tax refund of $908 in my bank account this morning. I transferred most of it to my Visa card, naturally. So my balance is down to $874 - down from over $5K in late December 2011.
I can tell you that I am taking a break in June as soon as this is paid off. Momma needs a new pair of shoes! I've been wearing the same pair for more than 2 years and actually had to duct tape the inside last week. I will likely go out and buy the exact same pair and brand even though they are very expensive. I only have three pairs of shoes - not like it was when I was in my 20's and had purses and shoes in every colour - and matching them as that was the ONLY way to do it at that time.
I can't really express what an amazing sense of relief I feel knowing the Visa will be gone within a few weeks. A huge weight off my shoulders.
I did another taste test today for $20, and had a message when I arrived home that they want me to do another one. My income tax return is $908 - only because my DH had medical expenses that can only be claimed under the lowest household income (c'est moi). This means I need $53.80 to meet my goal of paying off the Visa by the end of May (assuming I get my tax return by then). I have been invited to a garage sale this Saturday. I hope my table makes that much. To that end I am ripping art work off the wall to make my target. It's so much easier when I ask myself if I love it. If I don't - into the garage sale bin. Wish me luck. Visa is currently under $2K. I can't wait to celebrate the payoff on this one.
I'm finally working in the town I live in. It saves me more than $50 per week in gas and parking, not to mention lunches because I am 8 minutes away from my office. Unfortunately I no longer get mileage from my head office to my local office but that strikes me as fair. This means I won't be able to pay off my Visa until the end of June at the earliest. But wait - another door opened. My son accepted a job offer and had to buy a car. He opted for insurance with the same company I use. So when I called to remove him and save a couple bucks they advised me that we are also eligible for a family discount. So I save $60 per month and his insurance has decreased from $155 per month to $117. As a recent grad with two years of intership (one was three years with a summer job each summer in the industry and one year as a co-op year) he had two offers before he wrote his final exams in his last year. I may make that June deadline yet!
Didn't exercise today but did sleep for 4 hours this afternoon. Must have needed it!
Paid off another $220 to Visa yesterday. I hope to receive a $100 cheque for last week's side job some time this week to add to the Visa powerpayment this coming Friday. I'll update the side bar again next weeking and add in the interest due this month.