Under $13K, $28K Paid Off, Weight vs. Debt and List of Changes

Another payment for some work my husband did arrived in the mail this week. It was long overdue and I was starting to wonder what happened to it. That check was what we needed to be able to get our debt under $13,000 for March since our tax refund is delayed. Our credit card debt is now $12,998 :)

Now here’s some inspiration from Pants In a Can. He has paid off ALL of his credit card debt. How much? $28,000! Congrats!

Bjefferies is finding that it’s easier for him to reduce debt than lose weight. I’d have to agree. My thought is that with paying off debt you see that total go down immediately. It can take a little while for that scale to go down from eating healthy and exercising.

Arduous has an awesome list of changes she has made since starting her blog. There are quite a few things on her list that I’d like to try.

Tomorrow…I am going shopping for a pair of jeans :)

Posted by Tricia on March 28, 2008 at 11:01 PM in Credit Cards, Debt Updates, Saving Money | 9 Comments »
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  1. Keith responded:
    Posted: March 29th, 2008 at 12:45 am

    Wow! Paying off 28 grand in credit card debt is quite a feat. And keep plugging away at your own. It’s only a matter of time. I’m going to post a link to this page on my blog

  2. brainy responded:
    Posted: March 29th, 2008 at 7:15 am

    Thanks a bunch for the link love Tricia!

    I’m pretty excited about (finally) eliminating the last of my credit card debt. It’s a wonky feeling! :0)

  3. Eden responded:
    Posted: March 29th, 2008 at 9:09 am

    Congrats!

    I also agree on debt being easier than weight. It’s something I’ve meant to write about lately, but it’s not like I really have any answers for it either. I’m making a lot more progress with my debt than with my weight. Hopefully I can find a way to get the weight moving like the debt is.

  4. Todd responded:
    Posted: March 29th, 2008 at 3:28 pm

    Congratulations on hitting your new milestone! It is pretty great seeing the numbers go down rather than up. =D

  5. Jiggypete responded:
    Posted: March 29th, 2008 at 9:57 pm

    Great job on the progress! Before you know it you’ll be under $10,000 and then you will really feel like you are making serious progress. Keep up the good work!

  6. JW Thornhill responded:
    Posted: March 30th, 2008 at 5:32 am

    Congrats on getting your debt reduced to less than $13k.

    These are all some very inspirational people. Which is what I need daily.

    Thanks :)

  7. Frugal Dad responded:
    Posted: March 30th, 2008 at 5:40 pm

    I’ve been following along with each milestone you reach, and there aren’t many more left! Pretty soon you will hit the biggest milestone of all – debt freedom. Keep up the great progress.

  8. arduous responded:
    Posted: March 31st, 2008 at 11:56 am

    Congrats on hitting that milestone! It seems like you’re paying down debt faster and faster these days!!

  9. Emmi responded:
    Posted: March 31st, 2008 at 12:47 pm

    You can twist weight loss into the inaction side of things with a little rethinking.

    I got tired of being hungry all the time. I hated it. Always having to find a decent healthy snack… which is work, honestly. So I changed my diet so I didn’t get hungry any more. I feel so much better.

    Cooking is work, so if you tell yourself that you’ll take 2/3 of that ridiculously calorie-laden restaurant meal home, you can later be lazy and not cook two other meals.

    If you cut your portions to a reasonable size, you can be lazy and have your own leftovers, or better yet, not have to shop as often.

    If you cook big pots of healthy bean or split pea dishes, you have heart-healthy food for the week.

    After years of slowly gaining, I finally lost a lot of weight. I started out by doing some reading about hunger and was surprised how simple that was. I kept thinking, why didn’t anyone ever tell me this before? Sugars and the resulting insulin production cause hunger. Also social cues cause hunger, but not real hunger (learning to differentiate is good). You can turn off hunger by eating a bite of something fatty (spoonful of peanut butter, or 1/2 oz of cheese) and waiting 20 minutes. So, now if I do get famished, I do that before cooking, by the time I sit down to a meal, I just pick at it. Also, when you think you’ve eaten enough, but still want to eat more, set a timer for 15 minutes and then see if you really are hungry. If you start a meal with a bit of fat, when that hits the bottom of your stomach, you will cease to be hungry.

    Also soluble fiber is critical for insulin management. Every meal needs lots of it, i slows absorption of consumed calories and avoids the insulin spike. So lots of veges with every meal. And pasta only el dente, overcooked pasta is like eating white sugar for your body.

    So for me what worked was: no simple sugars (absolutely NO high fructose corn syrup–that stuff is terrible for you), lots of vegetables with every meal, lots of beans and split peas, and only really small portions of complex carbs. After the first week of adjustment, it was lazy to keep doing it since I felt so much better, feeling crappy again would have been like work.

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