Note: Content reposted from other blog to minimize my internet footprint
While I know I am making progress to pay down my debts in the long term, my new method of usage with my Discover IT card makes me feel like I am making no progress whatsoever in the day-to-day. I put all the bills that I could on it, and also utilized it recently during a friend's visit to take advantage of the quarterly cashback bonus on restaurants. Currently, my balance is higher than ever, but I know that next week I will not only pay all that off and then an additional $80 "minimum," but I will also have a nice little chunk of free change from the cashback.
I'm embarrassed to post a higher balance than when I started, but the whole point of this blog is to keep myself honest! My full credit debt and full debt total are still down from the beginning, so that is a victory. I think I just need a little patience for things to even out and show true progress. Rome wasn't built in a day!
I am officially canceling my gym membership today, because that is almost $200 a month that I could put to better use. The actual membership is only $25/month, but I have been paying $160/month for a personal trainer for the past six months. I have now found out I'm "contracted" for a full year of training, when I was under the impression I was only contracted for six months. I have decided to go with the nuclear option, and quit the entire gym. According to the internet heroes who came before me, this might prove to be an odyssey, so I will keep you all posted on what happens!
Does anyone use Mint? If so, please let me know the purpose. So far, I have gotten a bunch of unnecessary alarmist emails about how I have been charged "fees" (read: actual known charges I've made) on my bank card, and need to review my account. Several of the accounts I have linked are bugged as well. Maybe it isn't for me, but if anyone has any suggestions, I'd love to hear them! What do you use Mint for?
I have managed to buy lunch no more than once a week since I started this blog, which means I have far surpassed my goal of not spending more than $10/day on lunch! Pretty proud of that, considering how nuts I have gone in the past several years.
I will catch you all next week!
M
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