No credit card use for 40 days! yeah!!

Now I'm not going to use my overdraft OR credit cards for 40 days. The overdraft is really a credit card anyway-it's one of those fancy atm cards with a Visa sign on it. When there's no money in your checking it goes over to your credit. This month I'm going to try and pay it down and then the credit could be used as a EF fund only if absolutely needed. I'm also going to try the snowball effect for my credit cards this month for the first time. This is exhausting. I think I am one of those people who keeps myself in debt subconsciously on purpose so I'll always have something to chip away at for fear I get bored.....isn't that silly? As if there aren't perfectly wonderful things to do in life other than tally the credit card bills for hours and hours every month

Top ten things about my job as a greeting card designer:

10. Knowing it's not life or death.
9. I get to listen to whatever radio station I want.
8. The only one that can veto the designs is me.
7. Knowing someone is getting a card I've designed and smiling.
6. Seeing my cards in stores.
5. Buying fancy Japanese paper.
4. Latte breaks.
3. Faxed in orders.
2. I get to use a 100 year old letterpress.
1. Having a job that I love and work that I'm proud of.

Today's credit score is up to 742. It is a pleasure to know it can go up 40 points in a month.

Ebay earnigns from a purchase of $170 turned out to be $340. That's a nice profit!

30 days of no credit card use! 10 more days to go to reach my goal, then hopefully it will stick. Because I did not use credit cards at all I have depleted my EF fund and also used the overdraft on my checking. I am going easy on myself this month though because next month I don't think I will have to do that as there will be no cc charges.

It's wonderful to think I can't possibly use my credit cards because I took drastic measures and cut every one of them up! I am not even tempted anymore by the credit card checks that come in. really what was keeping me having any at all was the thought I'd need one for an emergency. This has forced me to be responsible and now I have around $600 in the EF fund.

I bought clothes to sell on EBAY and am doing an experiment. They cost $170. Nexttime I write I will put down the profit made and add it to the EF fund!