Okay, so the car that turned out not to work is sold. I put all the money from the sale onto debt and in the bank for my medical bills. All is taken care of and good. The good thing is, I'm really starting to see some progress on the smaller of our two credit cards. It's not been below $4,000 in over a year and now it's sitting pretty at $3,714.50.
Every so often I get horrendously frustrated with paying off debt. It causes me a lot of stress and really impacts the choices that I can make with my life. But, I know it's not forever. Sometimes, when I sell a book on Amazon or some other small thing I might put $7 towards my debt, or another small number. It may seem silly, but it makes me feel better.... lighter somehow.
You have to keep going with the little stuff. You have to keep snowballing your debt. It's really the only way to do it. I'm being much more vigilant about making sure the debt on my BoA card doesn't increase any more. We have a couple of things that get automatically charged to it, and I'm being really good about paying them off right away. You have to do that too, else you never get anywhere. My goal is that the next time my statement ends, the amount of interest won't max out the card. I don't think that's actually happened yet on that card. But when you're paying $150 a month in interest, it's easy for it to happen.
You have to keep sucking it. Keep going.
Prosper - $0
AmEx - $3714
BoA - $11866
ING - $833
Total - $16413