Happy New Year!
This year I will sleep my way into the new year.
Why you ask?
Because I have to work New Years day from 9am to 2pm so I have to make sure to get enough rest the night before to have the energy to want to go to work in a mall on a day when no one in their right mind should be shopping.
My New Year's Resolution is to get my debt cleared up.
I calculated my total debt on all my credit cards and I feel its a little intense for a 20 yr old woman, but nothing that strict money management can't fix.
These are my debts from greatest to least
Sovereign Bank Master card $1515
New York & Co Card $479
Capital One Visa Credit card $414
Bank of America Visa Credit card $200
The Limited Card $188
Walmart Card $172
Victoria's Secret Card $35
EXPRESS Card $0
TOTAL DEBT $7003
And that doesn't even include student loans!
To some of you this seems like a crazy amount and to others this ain't nuthin serious.
Either way it will get handled
I'm a shop-a-holic and I'm working on my addiction, but it's hard!!!
I've devised a stricter budget that leaves little room for leisure spending. The way I have it set up according to my income, which is a set salary, I should have all of this paid off by August.
I can do that.
I've also taken ALL of my credit cards out of my wallet.
If I don't have them at my avail they can't be used.
I've contemplated sending them home to NY and just leaving them there, but I don't think I'm at that level yet.
WHAT'S YOUR NEW YEAR'S RESOLUTION?