ceejay74

I'm the financial head of a three-adult household. We have great credit and income but massive debt. I've always paid bills on time but beyond that haven't planned very well. Now we have some definite goals, so we need to get serious about financial stability. DEBT AS OF JULY 19, 2008: Credit card/personal: $52,892 Home/mortgage: $300,123 Education: $71,689 ($31,689 actual; $40,000 estimated future) TOTAL HOUSEHOLD DEBT: $424,704 ($384,704 actual; $40,000 estimated future) August 2008 goal: pay off $3500 by 8/31 Progress: $3135 down, $365 to go Goal balance: $421,204 Balance as of 8/6: $421,569 Big-Picture Goal, begun 1/1/08: Pay off all credit card and personal loan debt by 12/31/09 Beginning balance: $70,251 Current balance (8/6/08): $50,301

• Date Started: Jun 21, 2007
• Entries: 209
• Comments: 353
• Total Visits: 59,331

The Old Debt Graveyard

Here Lies the Reserve Line of my Checking Account
Balance starting point: $2,766
Paid off Aug. 8, 2007
R.I.P.

Here Lie the Hallowed Remains of NT's Overdraft
Balance starting point: GBP1572.50 ($3,145)
Paid off Oct. 25, 2007
Let 'er R.I.P.!

Here Lies the Halifax Bank of Scotland Mastercard
Balance starting point: GBP559.50 ($1,119)
Paid off Jan. 23, 2008
It's gone to a better place.

In Remembrance of the Bank of Scotland Mastercard
Balance starting point: GBP1972 ($3,944)
Paid off March 4, 2008
It was the last of the high-APR gunslingers, cut down in its prime.

Here Lies the Debt of Our Future Trip to England
Balance starting point: $5,000
Paid off April 18, 2008
The debt is gone, but the trip still lies ahead!

Here Lies Mint Platinum MC
Balance starting point: GBP132 ($264)
Paid off May 12, 2008
Small but persistent--we were glad to see you go.