Schoolbuskid wrote:Its mostly due to the summer being here and being out of a job....i am working now til school starts back! Its just so easy to spend spend spend! I will be getting a good chunk of money this week or next so i can definitely pay off two cards! Thank you fo all of your hearty comments and advice! Thats why i come to this place!
I used to have balances on a few cards, eventhough not as many as you, I still had a difficult time keeping track of the due dates, especially since each month it changes slightly. To remember all the due dates, I now put all my bills, household and everything in an Excel spreadsheet. I have a column for Due Date, Vendor, Paid Date, Amt Due/Balance, Login names, passwords for the websites, etc. Everytime I paid a bill, I entered the Paid Date and the tracking/confirmation number. When I receive a bill, I enter the information in right away. This way I get a list of all the bills for the whole month and know exactly what's coming up. After one month, I copy the information for the next month since the bills will be the same and just adjust the due dates accordingly. This has kept me sane in dealing with the different bills and due dates because it's very linear. I actually look forward to paying off each bill because I get to mark it off. Another way I keep myself from overspending is I have 2 checking accts with WAMU, one I use as a regular checking acct, the other I have no $ in. Everytime I pay with a CC I transfer the same amt over to the blank one. That way I spend with what I have but still use a CC to receive reward points and have money to pay the CC bill when it's due! I do everything online so it's pretty simple to transfer money back and forth. This is my way of disciplining my spending. I hope this helps and good luck paying off the debt.