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No. of Recommendations: 10
Here are the numbers currently.

Let me put some context to those numbers for you, and point out that you have paid down nearly 10% of your debt since you started posting:

         Rate     1/21/2019       2/15/2019       4/30/2019
#1 17.44% $1,283.76 $-
#2 17.49% $5,630.63 $5,332.05 $4,528.77
#2 13.99% $11,336.57 $11,077.82 $10,573.41
#4 13.99% $17,697.63 $17,355.48 $16,628.41
#5 0% $14,838.00 $14,410.92 $14,123.39
Total $50,786.59 $48,176.27 $45,853.98
Total Paydown $0.00 $2,610.32 $4,932.61
% Paid down 5.1% 9.7%

And please remember - you didn't build this debt overnight, so it's not going to go away overnight, either.

I'll be honest, I'm not pouring the energy that I was into this paydown anymore. Once I started running out of options to improve this situation...and without seeing any appreciable hope, I became somewhat apathetic and definitely lost the intensity. The numbers appear to be drifting unexcitedly in the right direction, but appearances can be deceiving. Reality is beating me.

One way that other people have kept themselves motivated is to make a paper chain of rings at $1000 per ring, and then tear off each ring off as you pay down that amount. So, for you, with $45,854 in debt, you would 46 rings. When your get the debt down to $44,999 or less, you would tear off 1 ring.

I'm sure that others will come up with other suggestions.

How are you doing on tracking your spending? Just the act of forcing yourself to write down every purchase can help motivate you to spend less, providing more money to put towards the debt.

You can do this!

AJ
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