Long story short, applying for Grad School Round 1™ plus charging plane tickets on my credit card while living in Japan messed me up big time. It's been a bit of an annoyance trying to pay that off and it never seems to go away.
Tonight I took the step that I thought necessary to help me pay it off - I am going to transfer my balance to a new card that has 0% interest for 18 months. This was a big step for me because I was always a little leery and scared of trying to take control of my finances in that realm - what if I make a mistake? My first credit card was under my dad's name and when I got older, I just transferred that to my own account. Sadly, I used to be GOOD at paying it off, but those plane tickets and grad apps messed up because it was alot within a small window.
My goal is to pay off as much of the balance that can be transferred (and/or do the math and make the payments needed to get rid of it ASAP) within that 18 month window. Before I turn 29, I want to get rid of 1/2 of my credit card debt.
However, I'm doing something drastic.
Cutting the cards. Both the old one so that it can be completely gone, and the new one, so I don't charge anything on it.
Begone, credit card debt.