Month End : September Snapshot

Below is a progress report of where I am at the end of September:

I talked with my fiancé and she agreed with my debt reduction strategy; so, I’ve decided to focus on paying off the Barclay’s card and then move on to just having the Wells Fargo Line of Credit and the Capital One credit card to focus on. I used a balance transfer to completely pay off the TD Ameritrade card, so I can focus my payments between three revolving debts vs. four. I still use credit, but I only charge enough that I pay off within 30 days of making a purchase. It’s important to still use credit when you need it to stretch your cash flow for the month. However, if you can’t pay the balance off within sixty days, then you don’t need it. Revolving lines of credit are meant to cushion cash flow and increase time, not cover day to day expenses.

If you’re just starting this journey, and you’re overwhelmed by the steps ahead, and you feel uncomfortable about speaking to God or your family about what’s next, then feel free to contact me.

“”Don’t bargain with God. Be direct. Ask for what you need. This isn’t a cat-and-mouse, hide-and-seek game we’re in. If your child asks for bread, do you trick him with sawdust? If he asks for fish, do you scare him with a live snake on his plate? As bad as you are, you wouldn’t think of such a thing. You’re at least decent to your own children. So, don’t you think the God who conceived you in love will be even better?”

‭‭Matthew‬ ‭7:7-11‬ ‭MSG‬‬

I believe in your journey to….

A Debt Free Me


Keep moving forward…

Here are the balances and the total amount that’ s been paid up to this point as of 9/15/2015.

Wells Fargo Line of Credit


Capital One Card




TD Ameritrade


Total Credit Card debt: $8,496.00 and Total Credit Card/Line of Credit Debt: $13,796.00. With prayer and discussion with my fiance, we agreed to do a zero percent balance transfer to pay off the TD Ameritrade. We agreed that the best option is to pay off the smaller balances first. I’m re-directing my focus to pay off the smaller balances so I can then pay off the Capital One card. When you’re paying off debt, it’s important to have someone you can talk openly with about your decisions and your process of debt reduction. The other person can give you insight and ideas that you may have not considered. Remember you’re never alone,we’re better together and I believe that the Lord will guide you to the best steps to accomplish a debt free me.

“The rich rule over the poor, and the borrower is slave to the lender.”

‭‭Proverbs‬ ‭22:7‬ ‭NIV‬‬

I believe in your journey to….

A Debt Free Me