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Credit Card Debt Update and Savings Update


I’m still trying to locate one paystub so I can update my retirement account and then I’ll be ready to post my full net worth for the end of June.

However, I have updated credit card and savings information to share with you right now.

At the end of June, our credit card debt declined just a little bit more to $20,561. We are so close to bringing it under $20,000 that I can taste it. With paying our normal debt payments and with some extra money from my husband’s job, I’m pretty sure we will make that milestone. Imagine a child waiting to come down the stairs on Christmas morning. That’s how I’m feeling right now. I’m waiting for the paychecks to come in to make it happen!

As for our savings accounts, the total now stands at $868. I have to send a big thank you to everyone who opened up a savings account with ING Direct or Virtual Bank using my referral links. I like the referrals where we both get a bonus and you aren’t spending money…you’re going to make money! πŸ™‚

Slowly, I’m coming out of the rut that I’ve been in for a little while now. I feel good. I feel hopeful. I’m getting things back on track.


  • Reply paidtwice |

    Hi Tricia! I was one of the people who used one of your referral links to open an ING savings account this past month. Thanks for posting the links online and thanks for blogging. Keep doing what you do, you are an inspiring person. Under $20,000 will be here soon!

  • Reply AJ - IAmFacingMillions.com |

    Tricia, congrats on the progress. Keep headed in the right direction. It feels so great to cross those major lines. I just crossed $10,000 in reduced debt since February 2007 which felt incredible.

  • Reply Anonymous Writer |

    Just curious– how many accounts were opened with ING using your referral?

  • Reply Jen |

    Yay! You should reward yourself once you hit the $20K mark. Nothing big, but maybe rent a movie you’ve been wanting to see for a long. Just a nice treat to mark an important milestone πŸ™‚

  • Reply Tricia |

    paidtwice – thanks for using my referral link!

    AJ – congrats on your accomplishment!

    Anonymous – there have been 19 referrals used, but two of them did not result in successful account openings. So I have received a referral bonus for 17 (the other 2 were lost – I also lost one referral because I typed in an email address wrong πŸ™ ) Everyone who signs up with ING will have the same referral program and you get a total of 25 referrals.

    Jen – Thank you πŸ™‚

  • Reply Ms Broke |

    Tricia, I think you deserve a reward for getting under $20k too… it’s hard to think of a reward when you’re used to rewarding yourself with monetary things though, isn’t it? Catch 22!

  • Reply Anonymous Writer |

    Congratulations– what a great way to help people get on the road to saving while getting a little something for the effort. Soon $20k will be something you’re looking at in hindsight!

So, what do you think ?