Well here we are in March, and like many people pointed out, I am a little clueless about lots of things, and that I could have prevented many things. I did make the choice to not go back to work. Do I regret it, to be honest most days I do not. I see my boy growing, and once he goes to school maybe I would go back to the rat race. Probably not, I have a entrepreneur spirit, I like to work for myself. Yes even if it makes me far less money. But I could scale it up, if I devoted more time to it.
What many of you don’t realize is that… At this time last year I had three store credit cards, one jewelry card, three credit cards, two personal loans, one furniture loan, and one car payment. I paid roughly 12,000 in debt since the beginning of my journey. I do call that quite the accomplishment, considering how much income we bring home.
Now these aren’t paid yet, but I do have all information, so I might as well put up the information. Considering the weather, I wouldn’t be surprised if there is another oil payment that will be made this month as well.
Now unto the credit!
|APR||Current Amount||Last Month||Percentage of Change|
|Store Card #1||24.99%||$80.40||$203.18||60.48%|
|Store Card #2||22.9%||$442.44||$532.55||19.97%|
|Credit Card #1||13.99%||$3234.59||$3279.37||13.99%|
|Car Loan #2||12.99%||$17914.69|
So there you have it. So what should my next move be? People suggested that I immediately start my emergency fund. Is that what the consensus thinks?