I'm nervous. Today is the day where I have to admit to all of you (and myself) just how bad it's gotten. My fingers are shaking as I type. But, before we get to that, I have some good news! I have $20 for my starving savings account.
The hubs and I had a planned dinner with one of his former neighbor's from home last night. She was in Atlantic City for a conference and we couldn't pass up the opportunity to see her (& play some Slingo). We picked a moderately priced tapas style restaurant and I set a budget of $60 for dinner, drinks, slots, and parking. Miss T, being a wonderful & generous person, grabbed & paid the bill before the hubs & I even had a chance to open our wallets. I agreed to leave the tip and my hubs paid for the t-shirts we had ordered from her brother (he brews his own beer - gotta support your friends!). Pre-Lent, I would've put both $20 bills in the slot machine, but this time I chose to just give $20 away to the Slingo slot gods (I didn't win). Then, as if to reward me for my restraint, the frugality god(s) left a Diamond card on a nearby slot machine. I know, I should have turned it in. But I didn't. Now I have free parking at four casinos until March of 2013. And $20 to put in my savings account. I'll take it.
Now onto the not so awesome part of the post. Before I get into the details about my personal finances I ask, nay demand, you refrain from posting negative comments about "how irresponsible I am" or "how could you let it get that high", etc etc. I know this is my fault. I know it was/is irresponsible of me. I do not and will not attempt to place the blame on anyone else. This blog is about being honest with myself and whoever chooses to read it. I won't sugarcoat it, but I also won't be shamed. At this juncture, I need support, not insults. Thank you in advance for that.
My heart is pounding.
I have $9,076.88 in credit card debt.
I have four cards. #4 was opened last year when the company was offering 0% on balance transfers. Technically, I have five cards, but one (a store card) has no balance (we just paid it off two months ago). Here's the breakdown:
Card 1: $2,719.51
Card 2: $1,942.97
Card 3: $534.79
Card 4: $3,879.61
I'll save the breakdown of what I spent money on for a later post (I think that's going to take some investigative work). I might need the weekend to process the above number- at least we're not doing anything that involves spending money.
Day Three Total Spent:
$25.00 EZ Pass
Day Three Total Saved: $5.00
(Rebate from bakeware purchased three months ago)