Well, here we are again! I just wanted to keep you all updated. We received the 401k money, and you know what? I already feel some relief. My husband and I were talking about which bills we want to get rid of first. “Get rid of” is a little weak. It’s more like kill, slaughter, murder, annihilate…well, you see what I’m saying. :)  I really want to chuck those credit cards.

There are two schools of thoughts here. #1. take out the cards with the highest APR. You get more bang for your buck here and save more in the end. #2. take out the lowest cards first. That gives your motivation and momentum a boost, which allows you to KEEP GOING.

You know? Both methods of getting rid of credit car debt are good. It’s really just about which way would benefit you most.

For us, I think it’ll be a bit of a combination.

There’s one card that we just can’t wait to pay off and close forever. It’s not the highest APR, nor the highest payment, but it’s our biggest nemesis.

It’s us vs. the Chase card.

And we’re about to win.

Then there’s a few big cards to deal with.

Big meaning big payments due.

We have a card with $11k, a card with $13k and a card with $7k. Sucks, right?

The plan right now is to demolish the nemesis card ($3k), the highest APR card ($7k) and the $13k card.

And possibly half of the last card ($11k).

We need to leave a little breathing room for taxes, Christmas and other things.

Now, I know what you’re thinking. We’re totally not paying off these cards in the way that I planned like Amy Bass did. By internet marketing.

And I get that. That’s what I wanted to do. And I’m still focusing on that. But right now, it’s not what’s going to save us.

I’m OK with that.

I think once we get some of these cards off our back, we’ll experience this great relief, and that will help us to allow more money to come into our lives.

Listen, this is not over for me. Not even close.

I am more focused than ever. I have new goals set, and I’m ready to achieve them.

I don’t just want to not worry about money, I want to have enough to really, truly enjoy life. That’s what we’re supposed to do. I really feel life is supposed to be fun.

We’re getting there. :) All of us!