Down with Debt!

For some reason, our bank shows the paycheck in our account a day earlier than it should....not that I'm complaining about that! It means that I pay the bills a day earlier. I like to take care of them asap. It's too bad my obsessive/compulsive behaviors don't translate into other areas of my life - then I might be a skinny, wealthy wife with an insanely clean house and perfectly pressed children. HA!

So - here's the debt payment breakdown as of right now:
(Car - $305)
VISA - $337
LOC - $68
Scooter - $95
Home Depot - $38
Student Loan - $93

I don't include the car payment here in my total debts....yet. After we get everything else paid off, I'm guessing that that balance will be our new 'Total Debt' amount.

For now - I estimate we'll be able to add another $400-500 to our student loan payment. We are still waiting for our gas bill and cell phone bill so how much extra we pay on debt will depend on how much those are.

This has been an emotional roller coaster for me these past few weeks. Today I'm feeling totally excited at being able to put a bunch of $$ towards debt, and I can't wait til we get our tax refund next week. We'll be able to knock out two entire loans which will give us an extra $200 per month! That is so exciting to think about.

I'm a daydreamer so I like to think about having ALL the debts paid off and how nice it will be to have more money in the bank. I want to be a successful "After" story. I feel like we are already leaps and bounds ahead of where we were 3 weeks ago. But....some days are more difficult than others - like when I'm reminded of what a mistake I made by not including DH in what was going on with finances.

One thing I feel bad about is that now that I've come clean, I'm sleeping better at night but I'm sure my DH has lost at least a few nights of sleep over this. I've felt so bad for so long that I feel really good about things now and I'm still not used to that. That's not to say that I don't feel bad still about how I handled things, because I do. I just tortured myself over this issue for an entire year. It's unfair, really. I feel better and sleep better but I'm not sure DH feels the same. He is a great guy and I'm hoping that he can forgive me.

I really feel like our working together has been the silver lining. For how difficult it's been, I just feel like we are taking a new road and we are taking it together, hand in hand. And I have to say - anytime I can hold hands with my honey, I'm totally there!

I'm such a girl!! I'm SO emotional about things. I've found it interesting as I write these entries how this is all so emotional for me. DH is NOT an emotional kind of guy. Everything for him is black and white...no grays...no in-between...no happy medium. People ask us if we are going to try for a baby girl....my response is that HA! I'm pretty sure that DH couldn't handle another emotional girl! Anyway - the point is that maybe between us, we make for a really great balance.