I'm back from my Vacation in NYC. And I spent a good amount of money but it's all good. I'm happy to be back at home with my dd. Next inline is to pay off my cc debt this friday/Monday and then pay $250 to hold my stateroom on the cruise.

Wow it seems like this day took forever to get to but It's here. I'm so excited. Everyone says it easy to get into debt and hard to get out of and it takes a min to get into debt and years to get out of it. Both is so true.

I have Three months before I'm debt free. Be on the look out for my debt free shout/dance.

I will be getting $413.10 Tuition Reimbursement on top of my new salary increase on the 15th of this month. WooHoo. I debating should I transfer the money to my EF or should I send it to pay down my cc debt? I am leaning towards cc debt. I had already made plans to increase my payments from $405.05 an month to $500.00 a month to pay off my cc debt quicker. Wow if I make my $500.00 payment and add my $413.10 Tuition Reimbursement to my cc debt it would be $913.10. In addition, it would decrease my cc debt to $1350.85. Oh, my can or will I do it? I hope so.

Oh yea I'm also getting my money back from the cancelled cruise trip that I was suppose to have taken in Dec 08. I will place that in my Checking account.

Ok. I pay 405.00 a month to Target and everytime I think about what I could be doing with that money it makes me mad. I wish I would have found this board, Dave Ramsey and Suze Orman in my twenty maybe I wouldn't be in this mess. I would be so much further head. I guess 30 isn't a bad place to start but I'm upset. I guess I should be grateful that this is my only debt. My target date to be finish paying this debt off is the summer of 2009. but hopefully I can pay it off quicker with extra payments. I get so excited when it's payday because I know that this debt is being knocked down but it seems like its taking forever.