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No. of Recommendations: 3
Todays update:

First, I truly appreciate the posts here and every 2 cents has an impact! :)

Budget: Nope. I'm resisting. Not gonna do it. Not now. That will be fun one day when I am in a better place and a budget can offer hope. Right now, a budget can only offer hopelessness and that is a motivation killer for me. (in my opinion/my world). I won't let that happen and I won't let any kind of formal budget absorb my energy right now. I am at a "victories are important" stage and avoiding depression is certainly important too! I have been writing down every expenditure for now...small steps!

I listed a (no loan) car on Craigslist. I have some experience here and can navigate those waters. There is a chance that the sale could pay off card #2 and get my highest rate down to 13.99%, but I don't want to get ahead of myself. Cautiously optimistic.

Other "things" are listed on Ebay, Marketplace, and CL as well. Nickle and dime stuff--actually a few hundies hopefully. Part of these are my side hustle.

Interest rates and such: Kill the 17.99 comes first. Minimums to the 13.99s. I need to find out when my 0% expires, but it isn't an issue that has risen to the top of the list. I will hopefully have two empty cards by the time that rate jumps, so a transfer may be possible...getting ahead of myself though.

My head is spinning a bit. I'm trying not to get consumed. I think I will have more long term success if I don't go completely over-the-top consumed by all of this. I realize that some of these thoughts may not be ideal, or in line with the group think. Please continue to work with me. You have all been very positive and encouraging and that is a ray of sunshine in a world where it is easy to beat myself up. Again, I really appreciate it!

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