I posted this in credit cards because I am trying to pay them off. I actually have not used my credit in months :0). However, some months I pay a lot less on them than I could because I spend money elsewhere. So even though I do not put it on the credit card to me it is still credit cards because it is keeping me in debt. I am so sick of paying those bills and I do feel like I am a slave to them because every month they come first. I cannot enjoy my extra savings or even use it as much of a cushion because all the "extra" is not "extra" because I am in debt.
Sometimes after a year of working at them it is frustrating. I get discouraged. Thanks for the kind words. DH and I talked last night and decided eating in is going to be for us tonight. I am stopping to get some mushrooms to go with dinner but thats about it. Yea! I am hoping by the end of the year to pay off the last of the cards with proposition 301 money (a yearly incentive teachers get in AZ if we meet our goals!) Then I will use my tax return if need be for anything else. Then I can start paying down my SUV (I put a lot down, and got a GREAT so it is not toooooooooo bad). I will keep on keeping on.


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24 year old grad student and special education teacher in Arizona!
), and if I know that we are going out to eat in a few days I am more motivated to stick to the plan.


and 

