No. of Recommendations: 4
I first posted with the rough details of our debt in early March.  Since then, we have made slow, but steady progress.  DH is starting a new job in 2 weeks, which has the potential for more advancement and a larger salary.  Thanks to everyone's advice here, we were able to cut out some expenses and have been diligently paying down our credit card debts.  I also put in a complaint to MBNA about their raising my interest rate, and whaddayaknow?  It's back to where it started.  I was also lucky enough to get a balance transfer offer from Chase for 3.9% for the life of the loan and another balance transfer offer from Discover for 5.99%.  Here are the details of our progress:

December 31, 2002:

Citibank	5,914.17
Discovercard	7,304.67
First USA	3,390.45
MBNA	       15,081.84
Chase	        5,699.49
Total	      $37,390.62

May 30, 2003:

Citibank	2,000.00
Discovercard   11,603.41
First USA	3,100.00
MBNA	8,900.00
Chase	5,899.05
Total		$31,502.46

Total paid off to date:  $5,888.16

The E-fund (non-existant at 12/31/02) now stands at $250 and is eagerly awaiting the child tax refund credit (another $400).

Our plan of attack at this point it to pay off Citibank ($2,000) in hopes of getting a balance transfer offer.  Then we will be building the E-fund a bit.  Then I have MBNA back in my sights (still the highest interest rate).

Questions?  Comments?  Suggestions?

Thanks for reading, everyone!
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