3 Ways I’m Paying Off Credit Card Debt Fast: Budget With Me
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Ugh guys….I’m paying off credit card debt again. Can’t believe it.
I made a major mistake this summer and, long story short, I ran up two of my credit cards.
I was way too lax this summer with keeping track of our expenses, and it bit me right in the butt.
Since I have to clean up my mess now, I figured I’d show you guys what we do when we go way over budget and have to come back down to reality.
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If you want to budget with me, sign up to my email list to get your free Bills Binder Printable Bundle!
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How I Ran Up My Credit Card Debt:
I literally stopped paying attention to my finances from approximately the end of May through August.
During that time, 3 major things happened:
#1. I put my kids’ summer camp tuitions on my credit cards thinking, “What the heck, I’ll just get the points and pay it in full, the cash is there to pay it.”
And then I didn’t.
I don’t know what to say, I just let it go. This summer was crazy busy and I just kept putting it aside, paying what I thought was an okay amount to pay monthly “just until” I “got a sec to go over the statements.”
Big mistake. I kept using the cards as I normally would have, thinking I had more than enough credit (I did, unfortunately).
We also took two family vacations that I absolutely overspent on.
Then I blinked and it was August. A few months of finance charges woke me up & I checked our bank account to finally make the payments in full.
And guess what?
Money’s not there. I hadn’t talked to my hubby first. He had a totally different plan for that cash I thought was in our account……..
#2. Turns out this month was the month his child from his first marriage gets his license. And, he gave his kid a chunk of that money to put toward a car instead.
That’s when I realized he did tell me that and I forgot!! I was so excited about something totally different happening this year that I completely forgot he was going to use it. I didn’t tell him I had bookmarked that money for the camp tuitions. We didn’t prepare financially for the car.
#3. Two of us ended up in the Emergency Room this summer (everything’s fine!). BUT we found out the hard way that our health insurance sucks. Extra $3,000 on my credit card, for 2 emergency room visits.
And, #3 made me also look very closely at our health insurance. Turns out the “summary” of coverage we got from our broker was not 100% accurate.
I digress……
So, now I have about $21,000 in credit card debt. Omg. O. M. G.
Overspending day-to-day, camp tuition, unexpected thousands in medical bills, 2 vacations. Wow. Fail.
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I Broke a Bunch of Cardinal Financial Rules Here:
- We didn’t have our quarterly financial discussion because it would have landed during a family vacation. Terrible excuse.
- I stopped paying attention to my credit card statements. BIG no-no. I hadn’t even opened them in 2 months.
- We didn’t properly save for medical emergencies.
It happened, its over. Time to live, learn and deal with it……
If you want to skip straight to the numbers, click here.
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How do I Pay Off My Credit Card Balance?
With a PLAN!!! Below I’m walking you through our plan to get out of the red:
1: Set solid financial goals together
2: Write out all debt by amount due & interest rate
3: Budget all income (fixed & variable expenses) to calculate how much money can be paid toward debt each month
4: Calculate how long it will take to pay everything in full
5: Replenish any savings after the debt is paid
6: Brainstorm ways to make extra money & get this over with faster!
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How do I Pay Off Multiple Credit Cards?
There are 2 main methods to pay off interest-acruing debt (like credit cards):
1. Avalanche Method – paying off credit card debt one card at a time, in order of highest interest rate to lowest interest rate.
2. Snowball Method – paying off credit card debt one card at a time, in order of smallest amount due to highest amount due.
Each has their pros and cons. I’m using the debt Avalanche Method here because I have only 2 cards to pay off. One of them has a much higher balance AND high interest rate. So, I’m going in heavy on that one first.
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When Paying Off Credit Cards What is the Best Strategy?
Overall the fastest way to pay off any type of debt is two fold:
- Spend less than you make if possible; and
- Set a practical and realistic budget you can stick to long-term.
If you set your goals too intensely, you will get overwhelmed fast, get turned off and lose interest in the whole thing.
Remember, it is easier to ignore your problems than to face them head-on. Giving yourself a realistic budget will set you up for success, and more likely motivate you to increase your savings/frugality goals. It’s the best way to pay off credit card debt.
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Our Financial Goals for the Rest of the Year:
Goal #1 is to bring the credit cards down to zero.
Goal #2 is to make our “medical” savings much, much bigger for any future expenses. To make it easy to calculate, I am using our yearly family maximum out of pocket limit as the goal savings number for next year.
#3 is to schedule a more frequently occurring money meeting with the hubs. We had been doing it every 3 months, but that may be too much time in between meetings. Things spiraled out of control so fast this summer!
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How I Figured Out How Much Money I Have for Paying Off Credit Card Debt:
**Disclaimer: We are starting from a relatively good place financially. That means we normally spend below our means, and already have some money left over at the end of the month to put toward savings. Also, the hubby’s income is more than mine, so he pays for a bulk of the household expenses.
This is the result of reading countless personal finance books. Here are ten books that I HIGHLY recommend, and my favorite for newbies is #2, The Index Card. This book is a common-sense financial advice book that will help put you in far better shape than everyone else. It’s one of the best books about finance for beginners. It’s just a few dollars & available on Amazon here.
Obviously, we are all prone to falling back into our bad money habits. But, I’m so happy I have this financial foundation to fall back on when these things happen!
Wherever YOU are in your financial journey, I also highly suggest signing up for my free bills book binder printables. Even if you’re just starting out & only use the “fixed expenses” sheet & the “budget” sheet, I’d be so freaking proud of you!
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We are tackling this debt in 3 ways:
- redirecting our “savings” money to paying off credit card debt,
- cutting unnecessary spending to make it go faster, and
- trying out a few ways to make extra money on the side.
Let’s pull out my trusty Bills Binder and get on a budget!
**If you are in a severe financial situation with not a lot of money and a lot of debt, like we were years ago, The Total Money Makeover by Dave Ramsay was a big factor in fixing our financial lives. We bared our spending down to absolutely nothing, took on second jobs and didnt look up until our debt was gone.
That isn’t the situation we are starting from today – if you are in the boat we were in, please read that book and also check out his YouTube channel.
First of all, we sat together and had a serious financial discussion. We tried to think of anything and everything we could possibly have to pay for, for the rest of this year.
We filled out all of our money goals through the end of the year:
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As you can see, we are hoping to:
- wipe out the credit cards
- adjust our budget to reduce spending & save more money than usual from now on
- stay on budget for the holidays. I didn’t write this but I’m also going to suggest “Secret Santa” for the adult family members. Everyone buys one gift & gets one gift.
Next, we listed the cards by amount due & APR:
Card #1: $17,476 17.99%
Card #2: $3,464 17.49%
We have some money in savings and so we decided to use $5,000 of it to pay down the $17,000 credit card. The APR is killing us so paying that one ASAP will save a little over a thousand dollars in interest.
*Only consider doing this if your savings will still have 3-6 months of expenses covered*
Next, I confirmed how much $$ I have after I pay the fixed bills which I’m in charge of:
$3,600
-$100 pest control
-$300 housekeeping
-$43.44 home security system
$3,156.56
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Then, I subtracted my average variable (day to day) expenses, leaving what is left over for extra credit card payments & then extra medical savings:
$3,156.56
-$700 Food/Restaurants
-$95 Gas
-$200 Misc clothing, toiletries, etc
-$150 Date Night Babysitter
$2,011.56**
**Here’s where I can look out for any ways to cut our spending. For example, we have a weekly date night. We usually go to a restaurant and for a drink afterward. This is a perfect area to get creative in and cut our spending down.
Last, I filled out my goals tracker, so I can keep track of my progress and keep myself motivated:
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Paying off Credit Card Debt:
So, I have an average of $2,000 left over, after all of my expenses.
The hubby is adding an additional $500 each month from his income. That makes $2,500 total per month.
After paying $5,000 from our savings, we are left with $16,000 to pay off monthly.
First, I’m going to put all $2,500 into paying off those credit cards. Every month that I accrue interest is a month that I’m literally flushing money down the toilet. There’s no sense in putting any away in savings until that debt is gone.
$16,000 total debt amount ÷ $2,500 monthly leftover = 6.4 months
It’s going to take 7 months to pay off the credit card debt.
(Wow it’s September, and this is going to cut right into our holiday budget. An excellent lesson to learn!)
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Putting Extra Money Towards Savings:
After 7 months (hopefully less), the credit cards will be totally paid off. Then, we can continue to put money away in savings.
I am trying to be extra frugal this whole time because I don’t want to take too much away from what I usually put into savings each month.
Our family health insurance maxmum out of pocket amount for the year is a whopping $14,300.
After our panic attacks, we decided we will put $1,000 towards regular savings and $1,500 toward the extra medical savings, until we have $14,300 in the extra medical savings category:
$14,300 savings goal ÷ $1,500 = 9.5 months
After 10 months I’ll have next year’s maximum OOP amount in the bank.
We can take from that saved money “category” whenever we have a medical expense, which will also reduce the total amount we have to save for that year.
If we don’t use the money that year, the amount we don’t use can carry over to the following year.
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Ways I’m trying to make extra money:
- ThredUp. Me & the kids have some barely-worn clothes we can consign. I would have probably tried Poshmark instead, but Poshmark takes a lot of time & effort to sell, and ThredUp does the picture-taking, listing and selling for me. It’s less money going in my pocket, but I know I can’t commit to Poshmark, so I’m taking what I can get.
- Ebates (Rakuten) for ALL qualifying shopping. Ebates (they changed their name to Rakuten now) gives ACTUAL CASH BACK on almost all of the online and in-store shopping I do. I just have a very hard time remembering to actually use it! This year I left HUNDREDS of dollars on the table just from not using it. Since I do one day of outside shopping & one day of online shopping, I will make sure to set an alarm for those days each week to remind me to open the app before I do anything else.
If you don’t use Ebates/Rakuten you’re missing out, its FREE! Sign up through my referral link here & you get extra cash back as a thank you after you make your first purchase! The cash back can be anywhere from $20 to even $40 with your first purchase! Seriously, don’t throw the money away, sign up it’s worth it.
- Survey Junkie. I signed up for this a few months ago and didn’t really take it seriously. I’m going to try to take 45 minutes tops each day to take surveys and see how much I can bring in. If it’s worth it, I’ll keep going.
- Selling Books. I have a few books that I never wrote in (shocker!), so I’m sending them to consign as well.
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Financial & Credit Card Mindset Moving Forward:
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Medical Expenses
We are a relatively young family. We don’t think about having to pay thousands in medical expenses unless we have a chronic illness. I didn’t take this as seriously as I should have and I’m sharing it with all of you so you don’t make the mistake I did.
Call your insurance company and find out if an emergency room visit is covered. We thought based on our benefits summary that we had a $500 copay. Just like our doctor visits $30 copay/specialist $80 copay. We don’t need to pay anything after that. It should have said, “after deductible.”
Even if it doesn’t, call your insurance company and confirm. This way, you can make an informed decision whether to put a few extra dollars away each month, just in case.
Just this past year, my dad ended up hospitalized for a big chink of time. His insurance is AMAZING, and he didn’t end up with a ridiculous amount of bills.
However, he missed almost 3 months of work that year. He thankfully had enough savings to sail right through that time with all of his bills paid on time. I think about the people in this country who can’t even put $1000 together to deal with an emergency. He did right for himself, and I saw the benefits of his savings in action.
-
Consistently Budget
I can’t believe I fell back into those habits that tanked me so many years ago. What’s harder to believe is that it happened in a span of a little over 3 months!!
It’s going to take us 17 months to pay off our debt & have a medical expenses nest egg.
Paying off credit card debt sucks!
But, I’m not letting it get me down. I’m back on track & using how I feel now to motivate me to stay consistent with my budgeting.
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BTW: If you’re in need of some date night inspiration that’s not going to break your budget, here are a few cool, cheap 2-player games for a date night in:
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Codenames: Duet – The Two Player Word Deduction Game
Available on Amazon Here
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The Mind Card Game
Available on Amazon Here
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The Date Night Box Set with Conversation Starters, Flirty Games and Cool Dares
Available on Amazon Here
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Thanks for taking this (hopefully short) journey with me! I am truly blessed that we have the wherewithal to get back on the wagon and move forward from this.
I’ll update this post to let you know how I’m doing!
There are many different seasons in life. Next year the hubby will be sending his kid off to college, which will be another major financial milestone.
Getting caught off guard (or just being negligent) is a big problem. But, with the right mindset and a foundation of financial responsibility and awareness of our spending, it won’t completely bring us down. Read a few of these books I suggested!
If anyone wants to jump on board with me, grab my Budget Binder Printables Bundle for free by signing up to my email list!
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Do you have any other pointers on how to prevent racking up debt in the first place? What’s your “paying off credit card debt” story? Let us know in the comments below!
-XO,
Mina
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P.S.: Here are some of my other blog posts you might find useful!
-The Ultimate Guide to Set Financial Goals
-Free Budget Binder Printables Bundle!
-The Best ALREADY ASSEMBLED Home Office Filing Cabinets on Amazon
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