Just when I think P and I are making progress when it comes to our spending, the realization kicks in that old habits do, in fact, die hard.
For those of you who don’t know our sordid history with credit cards here is the condensed version:
Boy and girl date on and off for 7 years before eventually marrying.
Boy and girl start using credit cards to pay for things they want but can’t actually afford.
After 3 years of marriage, boy and girl discover that they have racked up over $12,000.00 in credit card debt alone.
Boy and girl consolidate debt at a much lower interest rate and start to see their credit card debt go down as well as their blood pressure.
Well that is the story thus far which looked like it was on its way to having a happy ending, but we all know that looks can be deceiving. The boy and girl in this story recently decided it would be a bright idea to have a credit card in each of their wallets in case of an emergency. While paying bills this week, I (aka “the girl”) checked to see if we had a balance on our credit cards and we did: We racked up charges in two months to the tune of OVER $900.00!!!!
Some of the charges were on items we discussed putting on the credit card because we could justify taking it out of our savings/home fund(a few household expenses and P’s work clothes for his new job). However, a majority of the bill was on a bunch of little things that we should not have been putting on a credit card (food, gas, nights out with friends, etc.).
We now have nearly a thousand dollars to deduct from our savings (money that was going to go to landscaping our front yard) to pay the credit card bill, because it will be a cold day in hell before I add another cent to our already existing credit card debt.
Needless to say, today we are putting all of our credit cards in a container of water and sticking it in the freezer.