Today, ¡He cancelado una de mis tres tarjetas de crédito! [I cancelled one of my three credit cards!]
This is a BIG feat, and one that I am so glad to have accomplished. Even though this was the smallest of my credit cards, with respect to it's credit limit, it is the one I am the most glad to get rid of. This was one of those ridiculous ones where I was charged an extra amount of money to pay my bill. If I used a checking account, the charge was 7.95. If I used a credit/debit card the charge was 9.95. It was absolutely ridiculous. Eesh!
So now, it is no longer something I have to worry about! Praise Jesus. Now I only have two credit cards, as well as a credit account with Pay Pal. I am slowly working my way towards becoming debt free! YAY!
It is worth mentioning, that one of my goals in the 23 year of life is to pay off all but one of my credit cards so that I can live free from the bondage that monthly payments bring. It's going to be a long road, but with the knowledge that I will have a job someday, I know that it can be done.
The next step, after credit cards is to work on paying off my student loans. I would like to pay these off quickly, as the thought of paying on these loans for the next 30 years is too daunting of a task and would extremely limit the things I could do. This sounds ridiculous but if I get a job where I'm making 30,000 - 40,000 I would like to put at least 12,000-16,000 towards loans a year. *I have about 40,000 in loans that I need to pay off, not including interest* That means i would be paying out 40% of my income to student loans. This also means that while I won't have the means to live extravagantly, I can also be comfortable in life to a point. I won't have the biggest house or the newest car, but I am definitely alright with these ideas.
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