So What's the Plan?

I told you all a few days ago how in debt our little family is. Scary, huh?

So what's the plan?

This week is a pay week and bill have got to get paid! It is also the week that the college is going to release funds to me! Oh happy, happy day! I am very very excited!

I am going to put my check in the bank and pretend it isn't there, then I am going to wait for the second check to come later this month and once those two are in the bank together getting chummy- I am going to start calling everyone on my credit report. I am going to pay one of entirely since I know it is only $36. So that company might get more than their share this month, but it will reduce the accounts I have to divide the money between next month.

So the progress will be slow- but I am hoping to see progress on my credit report within 6 months. I can't wait until my credit starts climbing instead of falling!

Then, after buying books and buying staple foods for the next 5 months, I am going to see if I have anything left over from my school money. If I do I am going to use it to "cannonball" some of my debts. I know that isn't going to actually lessen my overall debt amount, but it will reduce the overall interest I will be paying.

I know I have 5 months before I can go get a full time job for the summer. I am really looking forward to that now. It will be wonderful t0 be able to toss money at debt and watch it shrink rapidly! And next semester should bring an improvement in my financial aid status! Hurray!