I would do a no spend week and see if you see a difference. I would pay that vet bill asap. You would feel so much better and not do the payment plan. If you really want to get out debt sooner or later.
Congrats on making progress on your cc bill. The main question remains. How do you live on your income with your life style? Either you add income or reduce your lifestyle or do both. That is a very personal question. Unfortunately, which ever way or ways you go will need to be more forcefully done than what you are doing. I have found big expense hits can come in waves, creating havoc in your finances. That's why creating more space between your income and expenses in a must. Don't be lulled into thinking you on your way because you have had a good few months. Make bolder moves now to prepare for rougher months ahead. Looking for to celebrating more successes for you in the future.
Continuity matters less than you feeling the progress!! If you’re paying down the cards you should celebrate each episode! To me it’d be an exciting countdown as you pay them off, instead of a multi weekly reminder that paying it off is slow work! Just my two cents :)
If only it was that easy. I can do that now, but I was in a position where I could not. Both in circumstances where it was my own poor planning and where it was not my fault.
@@M_SC sometimes life circumstances makes it difficult. Sometimes choices make it difficult. I hope good circumstances and choices follow you. Best to you and all.
@@turtle522 in a perfect world yes I’d love to do that. That is a goal to be able to use credit cards for points and pay it off each month and carry $0.00 balance. Hopefully one day I’ll get there.
@@M_SC absolutely it’s a little of both for me. I used my credit cards when I was broke and had to use it for groceries and gas. Which thankfully I haven’t had to do the last few years. So obviously I couldn’t pay it off each month. But that is definitely a goal of mine
I'd say pay the vet bill off now. My reasoning is just to train yourself to do that anytime credit used so as not to repeat the habit of using credit. That's just the method I've used and has been working well for me for years now since paying mine off. Now i practice avoid credit cards, period! I have very little retirement saved and certainly dont want bills at 57 y/o.
If you’re paying off your debt, your frame of mind is the most important factor.. you should pay off your vet bill from your EF, then work on rebuilding that EF with $100/month towards it rather than towards a bill.
@@TheRachelShow I think a lot of us have been in this position, and once you change your frame of mind it becomes a habit and you refuse to take on debt.. you can do it!! 💪🏻
I would do a no spend week and see if you see a difference. I would pay that vet bill asap. You would feel so much better and not do the payment plan. If you really want to get out debt sooner or later.
@@emilymurphy2926 thanks for your input
Congrats on making progress on your cc bill. The main question remains. How do you live on your income with your life style? Either you add income or reduce your lifestyle or do both. That is a very personal question. Unfortunately, which ever way or ways you go will need to be more forcefully done than what you are doing. I have found big expense hits can come in waves, creating havoc in your finances. That's why creating more space between your income and expenses in a must. Don't be lulled into thinking you on your way because you have had a good few months. Make bolder moves now to prepare for rougher months ahead. Looking for to celebrating more successes for you in the future.
You see how I’m doing it every week 🫶🏻😁
Continuity matters less than you feeling the progress!! If you’re paying down the cards you should celebrate each episode! To me it’d be an exciting countdown as you pay them off, instead of a multi weekly reminder that paying it off is slow work! Just my two cents :)
@@T8rB I get that! I want to celebrate once I get one of the cards paid off.
@@T8rB I get that! I want to celebrate once I pay one of them off.
Paid CC in full each month for over 45 years now. Advised son to do the same.
If only it was that easy. I can do that now, but I was in a position where I could not. Both in circumstances where it was my own poor planning and where it was not my fault.
@@M_SC sometimes life circumstances makes it difficult. Sometimes choices make it difficult. I hope good circumstances and choices follow you. Best to you and all.
@@turtle522 in a perfect world yes I’d love to do that. That is a goal to be able to use credit cards for points and pay it off each month and carry $0.00 balance. Hopefully one day I’ll get there.
@@turtle522 yes I love to see the chat 😀
@@M_SC absolutely it’s a little of both for me. I used my credit cards when I was broke and had to use it for groceries and gas. Which thankfully I haven’t had to do the last few years. So obviously I couldn’t pay it off each month. But that is definitely a goal of mine
Has it been 100k since May? I ask because you’ve been saying 100k since then? See you not paying them off?
I’m keeping the intro the same for consistency for now. Yes things are getting paid down and I have a Credit Card update coming this week.
@@TheRachelShowwait what? You’re lying? 🤥
I'd say pay the vet bill off now. My reasoning is just to train yourself to do that anytime credit used so as not to repeat the habit of using credit. That's just the method I've used and has been working well for me for years now since paying mine off. Now i practice avoid credit cards, period! I have very little retirement saved and certainly dont want bills at 57 y/o.
@@SpicyBricy thank you for your wisdom 😄 great idea!
If you’re paying off your debt, your frame of mind is the most important factor.. you should pay off your vet bill from your EF, then work on rebuilding that EF with $100/month towards it rather than towards a bill.
@@NobodySpecial509 you are so right. Thank you for being kind.
@@TheRachelShow I think a lot of us have been in this position, and once you change your frame of mind it becomes a habit and you refuse to take on debt.. you can do it!! 💪🏻
you should live in your car since its paid off.
Ummm no it’s like 90 degrees everyday in FL.