We have just over a month to go before the date on our calendar rolls over to 2015. This is the time resolutions get made. Some even kept. No more smoking. No more drinking. No more sleeping with Janet from accounting. Whatever it is that floats someone's boat. It's a time to make promises to yourself.
I want to make one early. I'm still working on eliminating that credit card debt. I've been working on this for awhile. The end is in sight. But sadly, at the best pace I can push it, it's still mid January. I mean, come January 1st, my credit card debt is going to be down to under $500. I get paid on January 7th, so that's when it becomes $0. This is already after I've sold my car, went to Republic Wireless, stopped smoking, etc etc. There just isn't anything in the budget that gets that $500 paid before January 1st.
Part of me says "Well, that's okay. It's just one week of debt, then it's paid. This was always the plan, heck, this is months sooner than the original plan."
Another part of me says "I want to start next year with no credit card debt. It's not okay. Do something more."
It dawns on me, then, that Christmas is coming up. I could sell some things. But I don't have things I don't use or want. I have a PS4, for example. I could, technically, sell that for at least $300. Then I'm sure I could sell other minor things to snag another $200. So, possibly, I could have this cc debt gone by Jan 1. But I don't really know if that's even a smart idea. I mean, I enjoy the PS4. I get free games every month, so I don't even put money into it. And I'd be getting rid of it just to pay my CC off one week sooner. Which has no tangible financial benefit, just an emotional one. But the emotional benefit comes at a sharp emotional cost. I already sacrificed my car, lowered my utilities, and took a seasonal part-time job for October.
What do you guys think about this?