18,500 was the goal but the unforseen happened all last month. Plane tickets to a funeral, taxes and large car ticket items totalled 10 grand. Last month I was at 24,640.99 and this month I'm at 26,549.08 and I don't think I included the dentistry stuff last month cause I didn't consider it debt. It's not as bad as I thought when I consider how much I actually did pay off from last months added debt. Next month's goal $20,000!

On a positive note ING is at $185.62

My credit score this month is 708. I guess it's because of the mix up in payments with the same name.

I went to Jeremy's today. That's where I get clothes to sell on EBAY. It's mostly clothing from Anthropologie that isn't in season and is about 50% off. This is good because I sell these clothes on EBAY and bad because I want to buy clothes for myself. I picked up 6 items equaling about $140. Then I put back 4 of the items. It came to $40 for the two items. I didn't use the c.c.which I'm glad about. However, I'm a little disappointed about spending anything at all....Just two days ago I didn't have a dime and now that I've been paid why is it I always feel I have excess cash when I have credit card bills to pay??? While in the checkout line I heard a patron say, "I go shopping and my BF says who is this Jeremy anyway? Jeremy's is like my crack dealer she said. Only instead of crack it's clothes!"

I borrowed $600 from my work. $100 for the rental car, $500 for the repair and DH put $185 on his c.c. I just got paid so am paying them back. It will be nice not to have it all on the c.c. bill when I open up next month's statement...

Good News: 5th day no credit card use.

Bad News: My car broke down today (on the free way, with two small children and no cell phone!) It is costing $650

Good News: We are all ok. We had to wait 1/2 hour on the freeway until CalTrans came and pushed us out of traffic.

Bad News: CalTrans pushed us to the only available open spot there was-a bus stop. I got a $250 ticket for parking at a bus stop. They don't care that it was an emergency and I had my car towed within the hour.

Good News: After some time, I was able to reach my mom who came and picked us up. I rented a car dropped my 18 month old at daycare and my four year old son and I went to his school field trip to the zoo, only two hours late.

Bad News: The other day I cut up every one of my credit cards. I always kept them around for such an occasion only to rack up non-emergency debt, so I said enough is enough.

Good News: I have no credit cards to charge non emergency debt

Bad News: I have no way to pay the $650 with no credit cards.

Good News: I get $2000 on the 1st.

Bad News: The car will probably be ready tomorrow and I've used up my EF fund

Good News: I have learned what an EF fund is really for

Bad News: Not sure what I should do to come up with the money in the meantime. I could possibly ask my grandmother for a loan, write a credit card check to myself or the car place, borrow my husband's credit card.....

Good News: reading any suggestions that moght help!

Never having really understood the $20 challenge, I think I vchanged it's meaning two or three times to fit a different challenge of my own that I'd understand. This one is sticking. oI am challenging myself to not use credit cards for 40 days (Just like lent but more fun!) I have officially survived day number two. It's harder than you might think.....

I accidently paid my Working Assets Visa credit card payment to my Working Assets Phone bill. Now I have a credit on my usually low ($30)long distance bill for $230, and a missed payment on my usually high ($4500) Visa bill.

I received my discover card statement thinking I was going to have a much lower balance than last month. It was higher than last month's by about $200 I forgot I spent $250 on Turbo tax-one for my husbands corp., the other income tax. Then I learned I have a 19% interest rate and interest alone is $51. That made me frustrated enough to find both of my discover cards and another credit card and cut up all three. I am going to try cash only for the next 40 days. That is my new challenge! Today my grandmother took me and my son out to lunch, gave me $20 for gas, and bought me a new belt. I resisted temptation from 2 of the cutest sweaters you've ever seen in the Thrift store. It's been a great day.