Member Blogs

13811.39.  A la Oprah's Debt Diet, I'm owning the number, and putting it out for all to see. I am a little embarrassed, but is part of me wanting to be embarrassed to punish myself?  I also feel removed, like it's someone else's debt.  Gotta pay it down.  How did this happen?  I'm not struggling to make the bills, but the 2 lesser CC's have ridiculous interest rates - 10% +, through no fault of my own, and I've called to reduce.  This is the reduction.  FRAUDULENT CC co's!  We need more regulation of these banks that target consumers with ridiculous interest rates.  First predatory lenders in the subprime mortgage scandal, and maybe through some divine (or congressional) providence, these predatory CC lenders will be the next to go down.  I was the college student who got the CC at the kiosk in the caf.  Why did the school ever allow the CC company on campus?  Little by little, it piled up.  Now, it's always in the back of my mind. 

In some (OK, a lot of ) ways I feel it's a cop-out that when we close on the house we're just going to pay it all off.  Whew, a repreive.  Funnily enough, it's the #1 reason I am so excited to sell the house and move.  Truly.  #2 is getting a cute house in a fun city (ATL), #3, hubby's FINALLY getting the fulfilling job he DESERVES as a teacher in a great school.  #4 - getting a little distance betwixt me and my crazy immediate family, and moving closer to my cooler, more social family.. a fierce cuz whom I have connected with more over the last 3 years than EVER in my whole life.  But I digress...

Once I pay it off, we are hiding the CC's in a safe.  Or frozen in a block of ice.  Or a time capsule.  Or the diaper genie.

Anyone else want to fight the good fight with me?  Be unabashedly paying it down?