Well I did it! I deposited the $3334 over lunch and the good thing about banking at the same place for business and personal banking is the money comes in immediately (like depositing cash) so I can make the payment to Card 2 and watch it apply in the next 24 hours. I received another extra check for $207.50 that I was also able to deposit so after paying some volleyball dues for the son and giving the wife some extra cash I'm able to make a payment of $5514.70 on Card 2. Take that!

Now I can update that sucker!!!

Debt Tracker (10/21/08)
Card 1: $41994.47 (8.99)
Card 2: $23682.26 (8.99)
Total: $65676.73


Goodbye to the $70's...hello to the $60's! Man is it going to be sweet to see Card 2 drop like a rock. We just have to stay focused over the holidays and with my family that can be a somewhat daunting task. Gotta keep the eyes on the prize and you guys certainly help with that so thank you!

Well wouldn't you know I pay off a card and they end up being one of those nasty two cycle billing bums. Good thing is the interest that they charged me was $12.25 (compare that to 5 months ago and the same card's interest charge was $239.55! What's really funny is I look at the account in MS Money and I can see all 5 months since I stopped using the card in one screen and I can only see about 3 days prior to that (basically had the same amount of transactions in 5 months vs 3 days!) I paid the $12.25 immediately upon getting billed for it and now the card is back to ZERO so I don't have to add it back to my debt tracker.

Now it's on to Card 2 which will get the brunt of our attack. Tomorrow I get the $3334 check (which I've been highly advertising the last 30 days or so) to add to what we have left over from this pay and I'll be able to make a payment of (yep I have it budgeted to the penny!) $5447.20 (ta da!) I am going to wait until I officially make the payment (will be on Thursday) to update it so for now here's the ugly truth:

Debt Tracker (10/21/08)
Card 1: $41994.47 (8.99)
Card 2: $29196.96 (8.99)

Paid off since 05/01/08: $38170.29

I thought I'd check in and update where we're at with the debt tracker since payday is Wednesday (yee haw!) and the following week we'll be getting another check for $3334 so I plan on making a strong payment on Card 2 on the 23rd. They hit me with a wonderful finance charge (sarcasm alert) of $225.82! Ugh...the sooner I'm done with these cards the better. Here goes:

Debt tracker 10/14/08
Card 1: $42694.47 (8.99%)
Card 2: $29189.01 (8.99%)

At least there are only two remaining...but they're really a couple of thorns in the side. The sooner they go the better.

Today was the final day for Card 3 to have a balance. We paid off the $1970.14 I owed on that card and now we only have two debts left! Here's the update:

Debt tracker 10/01/08
Card 1: $42694.47 (8.99%)
Card 2: $28963.19 (8.99%)

So that's it! In the last five months we've been able to pay off just under $39,000 worth of credit card debt. This one card went from $26412.89 to ZERO in that time. The mountain has gotten smaller!

The two that are left are a couple of monsters but they will soon be gone and then we can actually start keeping our money instead of giving it to the credit card companies (novel concept isn't it...!)

Thanks to everyone here for keeping us on the straight and narrow!

Well I thought I'd update the debt tracker since I got an interest charge on Card 1 for $315.51 (ouch!) so the update looks like this:

Debt tracker 09/28/08
Card 1: $42694.47 (8.99%)
Card 2: $29891.21 (8.99%)
Card 3: $1970.14 (10.99%)

I also had a charge of $50 show up on Card 3 from Thrifty Car Rental in Chicago on Friday. I haven't rented a car from there since June of 2007 so I was needless to say a little concerned. I called the card issuer and they immediately froze the transaction and are investigating it. I was told I don't have to call the merchant (in this case Thrifty) because the issuer would handle it so I haven't pushed it any further. Anyone have thoughts on this? Thanks!

Well I received my quarterly bonus yesterday for $3334 and immediately threw it and some extra income I had been saving for this payment at Card 3 to knock it down just under $3900. I am a happy camper!

Here's the updated debt reduction tracker:

Debt tracker 07/28/08
Card 1: $42378.65 (8.99%)
Card 2: $29891.21 (8.99%)
Card 3: $1970.14 (10.99%)

I expect Card 3 to be zero by the beginning of October with the wife's additional income and with the way we've been budgeting (knowing where everything is going is more than half the battle IMO!)

Again just wanted to celebrate with the people who I know get why this is important. This month alone we've knocked off nearly $13,000 from our debt (this is all we have...yeah like it's not enough right!) so we're on Cloud 9.

OK well I haven't updated this in a bit but I will now. My wife found out today she is getting a $20,000 raise from $60k to $80k. Obviously we're thrilled. Not only that but I found out I'll be getting $3334 in bonus money every four weeks starting in late September and going through November ($10,000 total) so we will be able to really kill the debt AND have some money for the holidays.

I wanted to update the tracker because I was able to put close to $10,000 on Card 3 while I was away. Here are the latest numbers hot off the press:

Debt tracker 07/28/08
Card 1: $42378.65 (8.99%)
Card 2: $29891.21 (8.99%)
Card 3: $5711.32 (10.99%)

Card 3 has a very short life to live! Adding her income boost and the bonus money I'll be able to pay off Card 3 and make a serious dent in Card 2 by the beginning of October. Not only that but we have THREE pay periods in October so I can pay the mortgage on the 29th and use the paydays from the 1st and the 15th AND the bonus money in October ALL on paying off these balances.

This is going to be one sweet 4th quarter! I thought I'd share the love since this place has been so good to me for so long. I'm glad we're finally getting a hold of this thing!

OK First things first! I'm back from Hawaii and the best thing about it is my debt tracker gets to DROP after this trip (NO NEW DEBT!) I paid minimum on Card 2 (you know my drill...hammer out Card 3 and pay minimum on 2 and 1 until 3 is gone...rinse and repeat!)

Card 3 hit me with its interest charge (thank you sir may I have another) of $145.25 this morning. So the number there has gone up a little bit. Card 3 will be getting a huge amount of money paid on it in the next month (I'll get into that in a later blog post) so for now they get to grow a little bit for nothing. Here come the new numbers:

Debt tracker 08/21/08
Card 1: $42750.68 (8.99%)
Card 2: $29662.67 (9.99%)
Card 3: $13888.36 (11.24%)

Bring it on!

Well not a huge dent but a small bite as I paid the minimum on Card 1 (I'm throwing excess at Card 3 until it's gone...makes sense as its the lowest balance and the highest interest rate.)

So they hit me with an interest charge of $332.86 but I hit back with the $700 payment. So here's the update:

Debt tracker 07/28/08
Card 1: $42750.68 (8.99%)
Card 2: $30038.25 (9.99%)
Card 3: $13763.11 (11.24%)

Well I was happy to make a payment on the card that hit me with a $153 interest charge yesterday. $1390.81 ($1100 above the minimum payment...take that Card 3!) I also have $700 put away for the minimum on Card 1 when the statement closes. I had to sock away about $1200 for Hawaii otherwise I would've put more on 3 but I have to stick to the plan. I'm still pretty happy with my progress so far!

Updating the tracker:

Debt tracker 07/23/08
Card 1: $43117.82 (8.99%)
Card 2: $30038.25 (9.99%)
Card 3: $13763.11 (11.24%)

Total CC Debt: $86,919.18

Card 3 hit me with a $153.93 interest charge today. I logged into the website to check the payment due date but it's not up yet. Not that it really matters with payday coming tomorrow I will be hammering out a decent payment to knock it down a peg. Here's the updated numbers:

Debt tracker 07/22/08
Card 1: $43117.82 (8.99%)
Card 2: $30038.25 (9.99%)
Card 3: $15153.92 (11.24%)

Total CC Debt: $88,309.99

I paid $1 over the minimum for Card 2 (this is so I can allocate the remaining funds to Card 3 when it comes due.) The Mrs. and I sat down and did our budget all the way up to the trip to Hawaii. We adjusted all the numbers so that we will be leaving with $5500 in cash to spend on the island. Thanks to this I was able to pay the mortgage and Card 2 today with what's in the bank. So even though they socked me with a $241.19 interest charge I did pay $614 back at them. So here's the updated tracker:

Debt tracker 07/07/08
Card 1: $43117.82 (8.99%)
Card 2: $30038.25 (9.99%)
Card 3: $14999.99 (11.24%)

Total CC Debt: $88,156.06

It took all my energy to NOT pay the extra $38.26 to put Card 2 under $30k but I'm following the plan to the letter so that extra $38.26 will go right into Card 3 when it's time to pay it (next week!)

I at least feel better seeing every penny up to Hawaii spent on paper before we actually spend it. At least I know where it's going!

Yep it was just about time for Card 2's statement to close and smack me in the face with $241.19 in interest charges. Ouch! Well I'm still on my plan to eliminate one card at a time and pay just slightly over the minimums on the other cards until one card is totally paid off. Sometimes it is hard to stay focused when you're waiting for the income (or in this case when you're holding onto income for this upcoming trip instead of paying down the debt.)

Ugh! Did I mention how much I hate paying credit card interest?

Debt tracker 07/07/08
Card 1: $43117.82 (8.99%)
Card 2: $30652.25 (9.99%)
Card 3: $14999.99 (11.24%)

Total CC Debt: $88,770.06

Well I thought I'd post that Weds we get paid but I have decided to take a chunk out of the ugly debt monster today (scheduled it for Weds.) I'll make the $700 payment on Card 1 and a nice plush $2269.14 payment on Card 3 to bring the total debt down!

Here's the updated debt tracker:

Debt tracker 07/07/08
Card 1: $43117.82 (8.99%)
Card 2: $30411.06 (9.99%)
Card 3: $14999.99 (11.24%)

$88528.87 down from $91498.01! Yippie. So since 04/30/08 the starting point was $109361.82 so we've knocked out nearly $21000 in 2.5 months! I love seeing that Card 3 under 15k .

Doh! I really am not a big fan of Card 1 (obviously I used to be its #1 fan as you can see by the balance we ran up on it.) They "socked" me with an interest charge of $303.52! Ouch...right in the kisser.

So unfortunately I get to update the debt tracker for all the wrong reasons! The light at the end of the tunnel is I'm not concerning myself with Card 1 for a long while because I have to crawl before I can walk (and then run from this debt monster) so I really need to just keep paying down Card 3 then attack 2 and then 1 and then have NO DEBT TRACKER CATEGORY EVER AGAIN!

I like the plan. Here's the updated numbers (oh and Card 1 has a min payment of $700 due 7/24...yippie.)

Debt Tracker 6/26/08
Card 1 $43817.82 (8.99%)
Card 2 $30411.06 (9.99%)
Card 3 $17269.13 (11.24%)

Well I was able to throw a little under $800 at Card 3 and pay the ridiculous Card X annual fee off (so the card is 0 again.) Here's the updated tracker:

Debt tracker 06/25/08
Card 1: $43514.30 (8.99%)
Card 2: $30411.06 (9.99%)
Card 3: $17269.13 (11.24%)

So from 4/25 to 6/25 I've been able to pay just over $10,000 on Card 3 off. Not a bad run!

Well Card 3 finally closed its monthly statement and an interest charge of $184.37 reared its ugly head. I thought "oh boy $184.37 I didn't need!" Yeah right. Grrrrr!

Well the minimum payment is $361 and I plan on paying it sooner rather than later (this is the card i threw a little over $2800 at earlier this week.)

I also got my electric bill which was $203 so I'm not really jumping up and down about that one either but obviously we all know it rates way higher on the food chain than Card 3. Anyways here is the updated debt tracker:

Debt tracker 06/17/08
Card 1: $43514.30 (8.99%)
Card 2: $30411.06 (9.99%)
Card 3: $18061.53 (11.24%)

Yeah I knew at some point this would happen. $&*(!&##!!!(#*&$^^$(!

Now that I've gotten that out of the way one of my AMEX cards (yep it's unfortunately plural) socked me with a $45 annual fee today. I of course will be paying it off asap but I thought I would just come here and say "there goes another $45 for having the privilege of a card I don't even use!" Ugh!

Tomorrow the statement closes on Card 3 and I'm excited to pay a little bit more off of it but these things are starting to add up. $45 for an annual fee, I just got a long distance bill from AT&T which was $44 (that's about $30 more than it usually is) and my wife ended up spending $189 at the hair salon (I'm not mad at that but I thought it was going to be closer to $100. She needed conditioner and some other stuff for our daughter.)

So I'm sitting on about $431 in the checking account and I figure I'll pay the stupid annual fee and the long distance bill (so 341 left.) I expect the minimum on Card 3 to be somewhere in the $400 range though. The good thing is that none of these are due until at least July 8th and I have a paycheck on the 25th and another paycheck on the 9th of July coming in addition to around $6200 in the beginning of the month so we're not sweating it. I'm just so anxious to pay them and be done with them!

P.S. I will be closing this $45 annual fee card after I pay it off. What a waste!

Well with all the extra income we've been generating lately I was able to attack! our debt monster and made payments on both Card 2 and Card 3. Card 2 got $1 over minimum ($621) and Card 3 got a heaping helping to the tune of $2828.20! This leaves me $500 to pay towards the payment due (the statement on Card 3 closes on Friday but I didn't want to wait) and I still have $120 reserved for my wife to get her hair done tomorrow.

We're coming for ya credit card debt!!

Here's the updated totals:
Debt tracker 06/17/08
Card 1: $43514.30 (8.99%)
Card 2: $30411.06 (9.99%)
Card 3: $17877.17 (11.24%)

From $95251.73 to $91802.53 (feels good to see that total drop!)

Ouch! Freakin Card 2 hit me with a $229 finance charge on Friday. I guess they don't want me to forget the importance of throwing money out the window. So I have a minimum payment of $620 due July 13th on Card 2. I expect out of all three cards in July a total minimum payment of about $1750. Not that I like paying minimums but I have been on the top 2 balances (well usually Card 1 is a min payment and I pay a couple of dollars over Card 2) so I can throw as much extra dough at Card 3 to get it eliminated as fast as possible. It works out that in balance order the interest rates are also lowest to highest so not only am I paying down the smallest balance but I'm paying down the highest interest rate at the same time. That always helps. Last month I paid over $6000 off of Card 3 to get it down to its current spot so I have been making some headway. We'll just have to keep on keepin' on with these three gremlins.

Here's the updated totals:
Debt tracker 06/16/08
Card 1: $43514.30 (8.99%)
Card 2: $31032.06 (9.99%)
Card 3: $20705.37 (11.24%)

OK so we got paid today and I am throwing the minimum payment at the largest debt ($700) for June. The other two don't have a payment due for another month so after paying some utilities I am sitting at a little over $2400 to play with. But for now I'll do the standard update:

Debt tracker 06/11/08
Card 1: $43514.30 (8.99%)
Card 2: $30795.25 (9.99%)
Card 3: $20705.37 (11.24%)

I can't WAIT to have another card paid off but it seems like forever. Tom Petty was right: "The waiting is the hardest part!"

OK well the debt reduction tracker balance is as high as ever but with a positive outlook I know we can knock this out as fast as possible. We're currently sitting on three credit cards and one mortgage so here is the beginning of the fight:

Debt tracker 06/09/08
Card 1: $44214.30 (8.99%)
Card 2: $30795.25 (9.99%)
Card 3: $20705.37 (11.24%)

That's it. Yeah I know that's a TON of cc debt but this is what we're facing. The minimum payment on card 1 is $700 and the minimums on cards 2 and 3 are usually 2 percent of the balance (after the finance charge hits...thanks AMEX.) We're doing everything we can to throw as much extra $ as possible at Card 3 so we can get it down that much faster and then we'll attack Card 2 and then finally Card 1. I don't expect to see another charge on these cards until the balances are zero other than finance charges so this should be the worst of it.

Payday is Wednesday and currently the only one of the above three with a payment due in June is Card 1 and I will be paying them the $700 that day. Thankfully all accounts are current (no late payments!)

We also have a single mortgage at $404174.16 at 5.875 but it will be awhile before we pay that thing off. House was appraised in March for $470,000.00 so we have some equity but we have a long ways to go. This is going to be a long haul!

I finally paid Card 1 off today! I made a $5891 payment on Card 1 so it is zeroed out. Card 10 also hit me with a post-payoff interest charge of $34 (which I promptly paid!) Here's what the matrix now looks like:

Card 2/$15153/$31000/12.24
Card 7/$5821/$11000/4.99*
Card 13/$4001/$4500/5.82*

*Balance Transfer rate (for life of bal)

We also have THREE loans to pay off so it's not like we're free and clear BUT we will be free and clear of all balances on credit cards once the above gets zeroed out.

We have outstanding $46k at 8.99, $79k at 9.5 and $314k at 6.75. The latter two will be refinanced in March of 2008. The plan once the above cards are extinguished will be to make the standard payment (I round up my mortgage payment every month and put the difference to additional principal) on the 6.75 and the 8.99 loans and to really throw extra dough at the 9.5 (until it's refi'd). We are expecting a $75k cash disbursement at the end of the year (probably end of fiscal 2007...so early 2008) and the hope is that we'll be able to throw that at the amount to be refi'd OR pay off the 8.99 loan and use the remainder to finish the basement (about 1400 sq ft). That's a long way down the road though!

That's the debt plate for now. I will be making another lump sum payment on Card 2 in the next couple of days. I still am figuring out what I'll have to throw at it (I don't have a cc payment due until May 12th so I should have a couple of paychecks to attack Card 2 in the next few weeks). It felt great to zero out Card 1 though...yippie!

A few things to update. First off I updated my ING account info yesterday and have mailed a check for $1 (made out to myself) to establish a link between the new checking account and the ING savings accounts. When I do finally scratch out of the debt mess I will be filling this account up as part of the proactive money approach vs the current reactive money approach (paying off cc debt). Until I have an apr on a balance that is lower than the interest rate on the savings account I can't justify putting money in there. It would be nice to have an emergency fund but not at the cost of allowing the banks to earn more on my money than I can on theirs.

Now for debt tracker stuff. Today IS tax check day so I'm waiting to hear from the wife that we've gotten the money before I start blasting debt away. Card 2 must know I'm getting money as well since they hit me with a $153 finance charge (statement closed). The min payment on this one is $303 and it's due May 12th (I'll pay it this weekend). Here's the update to the debt tracker...for now:

Card 1/$5891/$20000/14.23
Card 2/$15153/$31000/12.24
Card 7/$5821/$11000/4.99*
Card 13/$4001/$4500/5.82*

*Balance Transfer rate (for life of bal)

I also had $188.65 in my Paypal account which I sent to the checking account today (takes 3-4 business days). I sold another item on Ebay for $39.99 so I wanted to add that to the total (I now currently have no items listed...and just about everything sold so it was a big success!)

$2438.55
+ $39.99
$2478.54

I'll update everything later today.

Well after paying off a slew of cards with the conso loan I had a slight blowback from one card with a finance charge of $31 (the card is at zero balance). They also gave me a credit limit increase on that card from $3900 to $4800 (nice of them wasn't it?) I also made a $2800 payment on Card 1 (take that Card 1!) Here's the update:

Card 1/$5891/$20000/14.23
Card 2/$15000/$31000/12.24
Card 7/$5821/$11000/4.99*
Card 13/$4001/$4500/5.82*

*Balance Transfer rate (for life of bal)

Well I had about $371 and change left in the old checking account so I made an additional payment on Card 1 for $351 leaving $20 just in case I forgot something. I don't ever have anything auto withdraw from my account so I believe I'll be fine (and I can withdraw my last $20 via ATM and close the accounts over the phone). I also forgot to add back the finance charge on Card 7 so the amount is actually a little bit higher (the finance charge was $37). So I'll update it below:

Card 1/$8691/$20000/14.23
Card 2/$15000/$31000/12.24
Card 7/$5821/$11000/4.99*
Card 13/$4001/$4500/5.82*

*Balance Transfer Rate

A heck of a lot easier to look at when it's only four cards!

Well I just couldn't wait any longer. I had to do it. I figured it didn't matter whether the payments came from the old checking account or the new one so I took the $46k and went to town! Here's what the debt mountain looked like about 2 hours ago:

Card 1/$12258/$20000/14.23
Card 2/$15326/$31000/12.24
Card 3/$8054/$12500/12.24
Card 4/$6312/$9000/18.24
Card 5/$6151/$9000/18.24
Card 6/$6143/$8000/0.00*
Card 7/$5903/$11000/4.99**
Card 8/$3821/$10000/0.00***
Card 9/$1110/$7250/17.24
Card 10/$3428/$4400/16.99
Card 11/$2815/$3900/13.99
Card 12/$2100/$2500/0.00****
Card 13/$4082/$4500/5.82

*Teaser rate ends 4/1/07 (up to 13.99)
**Balance Transfer rate
***Teaser rate ends 8/22/07 (up to 24)
****Teaser rate ends 5/1/07 (up to 13.99)

$81008-$77503=$3505 off since day 1.

Say goodbye to Card 3, Card 4, Card 5, Card 6, Card 8, Card 9, Card 10, Card 11 and Card 12! You and your interest payments are H-I-S-T-O-R-Y! Let's look at the matrix after these cards get paid off:

Card 1/$12258/$20000/14.23
Card 2/$15326/$31000/12.24
Card 7/$5903/$11000/4.99*
Card 13/$4082/$4500/5.82*

*Balance Transfer rate

Looks a lot better doesn't it! I also paid the minimums on Card 7 ($119) and Card 8 ($81) so we'll update that as well:

Card 1/$12258/$20000/14.23
Card 2/$15326/$31000/12.24
Card 7/$5784/$11000/4.99*
Card 13/$4001/$4500/5.82*

I made a little over the minimum payment on Card 2 so it's now an even 15k:

Card 1/$12258/$20000/14.23
Card 2/$15000/$31000/12.24
Card 7/$5784/$11000/4.99*
Card 13/$4001/$4500/5.82*

The final payment was made to Card 1 to knock the balance down to $9042. I did have to charge $1100 to the card for business but it's reimbursable (on Thursday they are cutting me the check) so here's where we ended up:

Card 1/$9042/$20000/14.23
Card 2/$15000/$31000/12.24
Card 7/$5784/$11000/4.99*
Card 13/$4001/$4500/5.82*

*Balance Transfer Rate

Hooray! I would have to say it's a lot easier on the eyes looking at those four accounts. I now don't have a credit card payment due for at least another month + (the unsecured loan will be due $701 though...I'm not sure of the first due date but I will find out shortly). We get paid Weds and we should be getting our $5k tax check as well (I thought we'd have it by now but I'm ok with the fact that we don't yet) and we are well on our way to making an even bigger dent in the matrix that remains. I'm really happy that we've gotten this debt massacre under control (and the interest under control!) and I can't wait for tomorrow (payday!)

OK it's one of the cards that's getting immediately swallowed up by the 46k at 8.99 loan (Card 4) but I thought it was funny that they would hit me with a $101 finance charge right before the card will be absorbed. Well here's the update:

Updated matrix:
Card 1/$12258/$20000/14.23
Card 2/$15318/$31000/12.24
Card 3/$8054/$12500/12.24
Card 4/$6312/$9000/18.24
Card 5/$6151/$9000/18.24
Card 6/$6143/$8000/0.00*
Card 7/$5903/$10000/4.99**
Card 8/$3821/$10000/0.00***
Card 9/$1110/$7250/17.24
Card 10/$3428/$4400/16.99
Card 11/$2815/$3900/13.99
Card 12/$2100/$2500/0.00****
Card 13/$4082/$4500/5.82

*Teaser rate ends 4/1/07 (up to 13.99)
**Balance Transfer rate
***Teaser rate ends 8/22/07 (up to 24)
****Teaser rate ends 5/1/07 (up to 13.99)

$81008-$77495=$3513 off since day 1.

Just a quick add for today. Card 9 is not going down without a fight and they hit us with a $34 interest charge so I'll add that back into the fray. Darn Card 9! I can't wait to see Card 9 with a big fat ZERO on it.

Updated matrix:
Card 1/$12258/$20000/14.23
Card 2/$15318/$31000/12.24
Card 3/$8054/$12500/12.24
Card 4/$6211/$9000/18.24
Card 5/$6151/$9000/18.24
Card 6/$6143/$8000/0.00*
Card 7/$5903/$10000/4.99**
Card 8/$3821/$10000/0.00***
Card 9/$1110/$7250/17.24
Card 10/$3428/$4400/16.99
Card 11/$2815/$3900/13.99
Card 12/$2100/$2500/0.00****
Card 13/$4082/$4500/5.82

*Teaser rate ends 4/1/07 (up to 13.99)
**Balance Transfer rate
***Teaser rate ends 8/22/07 (up to 24)
****Teaser rate ends 5/1/07 (up to 13.99)

$81008-$77394=$3614 off since day 1.

OK well I decided to use the $1810 in the checking account to make some payments. Well we're going to have to pay the cleaning people $132 and withdraw $300 for the weekly budget so I subtracted that out. I then paid Card 10's min payment ($86) and Card 3's min payment ($161) because Card 3 was due 3/31 and I don't think our consol loan will be applied by then (7-10 days...but I don't want to take any chances). So I had about $900 to put towards another card and I threw it all on evil Card 9. So another $900 gets eaten up thanks to ebay! Our son had a $5 charge for a game he plays all the time (and we pay monthly for) which I'm not thrilled about but it's $5 so we said alright for now. So the card is at $1076 instead of $1071 (I can live with paying off $5/mo once we zero this card out!)


Updated matrix:
Card 1/$12258/$20000/14.23
Card 2/$15318/$31000/12.24
Card 3/$8054/$12500/12.24
Card 4/$6211/$9000/18.24
Card 5/$6151/$9000/18.24
Card 6/$6143/$8000/0.00*
Card 7/$5903/$10000/4.99**
Card 8/$3821/$10000/0.00***
Card 9/$1076/$7250/17.24
Card 10/$3428/$4400/16.99
Card 11/$2815/$3900/13.99
Card 12/$2100/$2500/0.00****
Card 13/$4082/$4500/5.82

*Teaser rate ends 4/1/07 (up to 13.99)
**Balance Transfer rate
***Teaser rate ends 8/22/07 (up to 24)
****Teaser rate ends 5/1/07 (up to 13.99)

$81008-$77360=$3648 off since day 1.