we've got a lot of debt. after a few years of living off of a single income, we've learned how to make it work--but that doesn't mean we didn't lean on a few credit cards (and mom and dad! love you!) to get us through some tough[er] times.
so, lately we've been super diligent in playing off debt. my new favorite hobby is looking at/updating a spreadsheet i created to see what debt is left and what our smartest next steps are. it's fun (i'm weird) seeing the utilizations, payment dates, interest rates(!), etc side-by-side.
and my second favorite hobby is clicking the little bubble next to "Balance" on payments. that's a new one for me. i'm very accustomed to auto-pay taking out the minimum payment every month. i know, i know, yikes.
today i paid off the balance of my (our?) target card. can't say he had a hand in that one. double yikes.
guys, this one was in the quadruple digits! not proud.
but anyway! we are seeing our debt-to-income ratio dwindling before our eyes. and that. is. fun.
we've vowed to pay off our credit card debt + my car before we move. we've got a pretty sweet setup where we are--we love our house and the mortgage payment is next to nothing. it'll be hard to say goodbye to that, knowing our next house will be bigger and in a nicer area aka more expensive.