For the first time in years, I'm in debt. I owe 3,215 to a Credit Card (I know, I know, 1,600 of that is federal tax for 2014. Admittedly, the rest of it was me buying stuff, not as an excuse but in the last year I've had to purchase a lot of necessities that I previously owned, kitchen stuff, and yes, I spent money where I didn't need to. I My credit card charges 10% - it's a USAA card.
I will say that I STOPPED using the credit card 2 months ago.
I owe 1,747.53 in medical bills. I have arranged to pay 145.53 a month for a year. This has no interest rate. I made my first payment today.
I've spent more in medical bills this year than ever in my life. It sucks. I want to kill this debt as quickly as possible. HELP ME!
Here's my Current Budget.
Income - 3,400
Rent - 700.00
Medical Bill - 146.00
Storage - 80.00 (hopefully not)
Cell Phone -80.00
Groceries - 300 (approx. 140.00 to 160.00 every other week)
Credit Card - 3,300 - no minimum payment, I usually pay a few hundred dollars.
Dog - 85.00 (second set of shots first week of July)
Jazzercise - 40.00 that starts again in July (I got them to not charge me for when I was out on medical leave because I could not go.)
Hair Color - 75.00 every 6-8 weeks.
Car Insurance is paid through August. It will be 500 I believe.
I got the storage unit in December when I moved my things from the house. I have cleaned it out with the exception of a treadmill, a desk and a couch.
My plan is to remove those three items before the 20th so I don't have to pay for another month. My neighborhood is having a garage sale at which time I will sell the desk and possibly the treadmill. I am planning to keep the couch. I can put it in the basement room until I get a new place.
I have a violin that I am ready to part with. I would ask for 1500 or 2K though. I have no idea how I would go about selling that. But I don't play it - and I have my grandfather's that I can play if I want to play again.
Clothes - 0 for next month - I work from home and I also need to drop 10 pounds - I don't need any clothes this month.
I have already paid all of my bills for this month (June). Due to the fact that I did not get 100% pay while I was on medical leave I now have only about 1500 in my checking account. But my pay returns to normal for my next check.
Legal Bills -
So far nothing - I'm getting very frustrated - I called yesterday and left a message - I have heard nothing back. I have to keep 500.00 on his books at all times - he currently has 1300.