Today I gathered up every bill I have that is outstanding. Primarily they are medical bills, with a Visa card also with a $4438.73 balance. The actual total rather than the $18,000 I have been blithering about is really $28,729,74. Big difference, huh? Best to get real, as DrPhil says. I will be paying $400 per month....which means there are almost 72 payments. If I divide that by 12 months that means I should be finished shortly after 6 years. Now I am a 63 year old woman. Maybe on my 70th birthday we can all have a party. I know this is not exact because my Christian Childrens Fund payment goes on the Visa each month.But I am more aware today of what I am up against than I was yesterday. I took every bill......one hospital bill is divided into ten bills and made special sheets for them. I organized them in a "snowball method" with the smallest $44,00 due to be paid first to the largest $5103.00 last. As I said, this is not perfect, but I have a clearer understanding now, sheets to keep track of everything (looks like a small book) and I am ready to go. To celebrate I threw $10.00 into my new Visa savings account; total $35.00 there and my EE bonds equal $25,00 (hahahahahaha). You can see that I really AM a baby doing the baby steps.
Looking the Dragon in the Eye
December 20th, 2006 at 03:27 pm