One down!

Remember when I said my New Year's resolution was to pay off a specific credit card?  Yeah, I already have that done.  I'm totally proud of myself for having it all paid off two months early!

Now I still have two cards that carry a balance.  The lower balance one I can have paid off by the end of the year.  That would be two cards paid off instead of just one!  The other cards is going to be quite a bit trickier.

Keep in mind that I allowed myself until the end of 2013 to have all three paid off... But I like a challenge.  Now with Dale in school, it's a bit harder because I try to pay more when rent comes around so he can make his bills.  But I'm still going to work my butt off to get this last one paid off as soon as possible.

If I run things REALLY tight in 2012, I can do it.  That would be very nice.  But, honestly, I will be quite happy if I can get this paid off and some saving built up before Dale finished school.  Yes, I'm a dreamer and a planner.  No, my plans don't often work out.  But hard work and scrimping has gotten me this far, and I will continue with it for a while longer.

P.S. I found out from a 'class' at my local library that for your credit score, when the bureaus look at credit cards, they look at "available credit"  vs. "balance" and if your balance is more than half the total available credit, it drops your score significantly.  I found it to be good info, and I hope it helps.

Postcards Project expanding

My postcard project is slowly starting to expand a little further.  I am now starting to send postcards to family and friends as well as my forums people!  
A few weeks ago I added my aunt who had been in the hospital to the list as well as my grandma who loves to travel.  Just today I added three more people!  Now the list also includes a friend of mine from high school who is in the Navy and scheduled to go to Tokyo in a few months, my sister who I don't see very often, and my niece!

I'm totally excited to see this grow.  I was previously worried that I wouldn't be able to keep myself motivated on this project, but I have found that getting a postcard in my mailbox once in a while keeps me interested in keeping this going.