Wow! I can't believe the support I've been given since I posted my original message. Thank you all so much. Today, I finally changed my Internet access to a Debit card instead of a credit card-something I've been saying for months I was going to do. That was the only new charge on my cards for at least a year-now there are none. I dl'd the snowball calculator-now, I did this from an old computer at work with an antique modem-had to find this site and the link-that was determination. LOL It took forever. What a great tool that is! I played around with it for a long time. I picked a small balance cc to use as #1. Around $500.00-and that's small for me. All my interest rates are sky high, so that doesn't come into play. I need to see a 0 balance. I got so into it, I was like-bring on the bills-I want to pay something! LOL I can't believe how fast I can get this card paid off with just a little extra-and little is all I have right now. I am ashamed to admit that I've been paying on this card for 10 years-paying the minimum only and sometimes late at that. I can't believe what an idiot I've been. One great thing contacting CCCS did for me was make me fill out a budget. Would you believe that in March I spent $900.00 on groceries?? Yes, I said $900.00. I was shocked! That's what happens when you run in willy-nilly with no list or coupons and just buy whatever you see. That figure is coming down-I mean way down and maybe I can get that first card paid off even sooner!These are baby steps, I know, but it's a start and more than I've done in years to fix this mess. I wouldn't even add up how much I owed-I just didn't want to know. Again, thank you so much for all the support and I love reading the success stories! I already feel so much better about myself. I'm finally doing something!I'll try not to be so windy in the future-I'm just excited! :-)
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