We were doing so well paying of everything off and our debt was slowly making its way down… then I hit an issue. Well actually I gave in. The BF and I have been saving some money which would be going towards his eventual visa Application to Australia. At the beginning of April the BF came up with an idea that if we put that money on the credit card for our trip to New Orleans then if we had a real emergency we would have money to use it. For some reason I agreed with the idea that instead of using the debt payment plan to pay the card I would use that payment to put back into the ING fund. Everything was going fine until just before we left for this recent trip to Miami and I noticed that there was money on the card. I can’t even tell you how or where it all came from. Some of it was because I BF went through another one of his phases were “oh look have an empty card and I am out with friends.. let me by their dinner”.. believe me that didn’t go down to well.. but a lot of it was little thing that I can’t explain. And some of it was me… why… I don’t remember.. again all those little things added up.
OH but the best part had yet to come.. so last Feb the BF borrowed his parents car for a trip and somehow the window got chipped. At the time they said don’t worry about it and they would get it fixed. Well that didn’t happen and their chip turned into a full on crack which
they demanded the BF pay for.. I was Livid about this.. if they fixed it in Feb they wouldn’t have demanded $400.00 for it now.. (now I know where my BF gets it from).. anyway they had a huge fit which resulting in my BF and his dad not talking for the better part of June. So I just sucked it up and gave them $400 to pay for the window…
SOO all in all if you look at the stats I may have added a extra line for the money still owed into the ING account (which I am determined to pay that back) but all in all its only about 600-700 more.. which now I think about it.. it’s a lot.. DAM
On the plus side I saved enough in the debt repayment fund to pay off one card completely. I decided that since the interest is high and the fee to send money to Aussie land is pretty big, I would send that money to Aussie land to pay off one card in full. So its going up yet going down.
My next goal is to continue to save and pay off the other Aussie card and then focus on paying back the ING account so we can get the BF’s visa organized.
I guess this is what happens when you are having to much fun over the summer and interest and fees, but not putting money back on the card will do.. I can’t entirely blame the BF (well he did put a big chunk of it on the card) I did do some of it as well.. I knew that was a bad idea from the start but for some reason I said yes.. oh well.. just got to dust myself off and continue to pay it off..
One day I will be debt free…