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Author: kekokko Three stars, 500 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310154  
Subject: Two small happy dances and an e-fund! Date: 6/23/2002 9:11 AM
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This month, I paid off Ann Taylor ($130) and Petite Sophisticate ($157 - and they closed the card on me before I could do it!)!!!!! YEAH!

That makes my debt a little less frantic because now I have TWO cards to focus on instead of the 5 that I started with!

MBNA $1801 @ 23% (UGH!)
Citibank $1740 @ 19.74%

Compare that to where I was in December:

Providian $474.00(24%)
Ann Taylor $260.00(21.5%)
Citibank - $2704.08(21%)
Casual Corner $230.00(18%)
MBNA - $1958.48(16.5%)
Verizon ~$500

and I feel pretty stinking good!!!!

I don't qualify for a loan or my CU Visa, so I will have to wait another 6 months before reattempting to get lower rates. I'm going to knock off the MBNA @ $100+interest every month ($100 is such a nice round number) and pay $50/month on the Citibank (min is $36 for now).

I am starting a real, honest to goodness E-Fund too (Not the $5 per paycheck drip that I had started earlier)!!!! I currently have $87 in the savings account. The goal is to have $500 in there by the end of the summer!!! :) Then, when the dog needs to go to the vet, I won't end up having to use the card and bumping up the interest rate from 14% to 23% like I did with MBNA. (Learned my lesson there!)

BTW for those that were part of my "pots and pans" discussion - I ended up with the stainless Simply Calphalon set and I love it!!!! The Tri-ply set, while supposedly higher end, turned funny colors after first use so I brought it back. I'm getting silverware this week and my kitchen will have almost all the essentials (Except baking stuff, but I don't bake much so that can wait). And, lately I have found that I am now able to go shopping and not make impulse buys! Thank you all for helping me with that by reinforcing the "don't spend $$ when you're in debt" mantra!!!

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