Hello guys its been six months since i've blogged on this site WOW time flies. I'm very happy to report that I have paid off ALL of my credit card and outstanding debts listed on my side ticker. The only debts I am paying off now are my vehicles,personal expense loan and student loan debt. My journey isn't over yet but I feel like the hardest part is over. I haven't closed my credit accounts and do charge and pay them in full every month now. I'm doing this in preparation of buying my first home once my personal and auto loans are paid in full. Thanks guys for all your advice and i am looking forward to blogging my way through the rest of my journey.

Just submitted the full balance of my Orchard Bank card to them this morning. Woooo hooooooooooo!!!!! I'm feeling so relieved I picked up a part time at Target seasonal and boy does the extra money help. I've been dancing around the house all morning. One less bill (credit card at that) to pay now three more to go and my credit card debt will be a thing of the past.

This month my DF and I used a cash only budget with the exception of our automatic bills and paying a few bills with the debit card. All other spending was done in cash we put all the change into the cookie jar I cashed the change in yesterday and it was $12.87 I gave this amount to Orchard Bank which makes a total monthly payment of $50. It didn't look like very much change but it sure adds up.

It wasn't much of a balance left $46.00 but I paid it off. I'm so excited!!!!

So i've been sitting at my desk pondering this question. I am currently a college student and of course get financial aid but fall short each semester needing to take out a loan. I need to know your thoughts on borrowing enough loan money to cover most of my debts. If I do this I will need to still use $1,000 of my cash flow from work to pay every one in full. On one end i'm thinking wooohoo i'll be able to satisfy my obligations to every one now. But on the other end i'm thinking this is creating a new debt so to speak. I've only giving it a second thought because i'm figuring with all the interest I am paying between the various credit cards etc.. My student loan money carries an interest rate of 6.9%. Please share your thoughts you guys are the best when it comes to advice!!!!

I'm happy about that now I have to wait until this Friday to pay off the remainding two. I didn't want to take a chance on mailing the last two because its going local. They usually process the checks electronically so they'll try to debit my account before my paycheck hits friday. I am quite happy that have gotten over this hurdle. Thanks guys for your great advice!!!

The check is for $106 I was planning to add $56 to the total and pay off all four tickets on my side bar. I've been stewing if I want to make a $40 payment towards my Orchard Bank card before the cycle closes friday. This will bring my balance just under $200. But than i'll be stuck paying off the very last $40 tickets in two weeks in my next pay period. What do you guys think? What would you do? The ticket is already overdue but no late fees or penalties will be assesed.

So I haven't blogged in what looks like almost two months I am still here and still making progress. I am very proud of myself as I have adapted the many great suggestions I've learned here. I'm happy to report that in the month of July ALL of my bills were paid on time. Which for me of course meant no late fees. Wooohoooo I was also able to get my orchard card down to $272.oo due to a $55 payment I easily "found" in my budget. Although it isn't much it is a huge accomplishment for me as I have only paid $15 which was the minimum in the past.I'm going to keep on trucking away at this card and am hopefully I can "find" at least $135.00 this month in my budget towards this card. I'm so anxious to hopefully type 30 days from now that I have Officially kicked ORCHARD BANK out of the house for good!!!!!