This post serves no purpose but to share my excitement that it is pay day at Job #2 today.  Pay day at my full time job was Monday and with that combination, I can pay rent, buy food for the next few weeks, and most excitingly, I put another $1,000 toward my credit card!  April, with its extra pay day, has just been awesome.

May already seems disappointing, because I’ll only be able to put $1,500 total toward my debt for the month.  Yeah, only.  It’s strange the way I think now.

But, I will be that much closer to June, which is the month I will reach the halfway point of this journey ($10,000 down, $10,000 to go) and finish paying of the WF Visa.  Then I can start working on my last card.  It has the highest balance, of course, but because I won’t be bothered with making payments on any other cards, I will be able to throw a ton of money at it every month.

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I feel like I’ve been waiting for this day forever.  When you’re getting out of debt, nothing beats the days you get to put a big lump sum toward your massive credit card balance.  It feels like it’s been a long time since I’ve last been able to do this, but I guess it’s only been a few weeks.  Today, after paying my bills and leaving some money in my account to, you know, eat and stuff, I have $1000 to put toward my debt.  And it feels awesome.

I know that for some people, every check they write or money transfer they make to a credit card company is with spite.  Like, take this!  You don’t own me. I don’t feel that way.  For me, it’s just pure excitement.  It’s another step toward my goal.  Not that I have no criticism to offer of credit card companies, but I knew their deal going in and I still borrowed their money.  I will be thrilled on the day when all of the money I earn is my own, but for now it’s enough just to be making progress.

This month, I’m getting myself more than two thousand dollars closer to being out of credit card debt.  The work, it’s hard, the things I am not buying, they are real, but strangely, this journey is a lot of fun.

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The most annoying thing so far about working to get out of debt is the wait between pay days.  There are things to be done every day, mostly working a lot and not spending money, but I only get to really feel the satisfaction of progress when the money comes in every two weeks.

When I was younger, I used to confuse people with my casual attitude toward pay day.  Sometimes I would even wait for a few checks to come in before I’d bother to pick them up.  I needed the money in the long term, but I had almost no bills, so I wasn’t dependent on the next pay day in order to carry on with my life.

It’s only happened in the last year or so where I am very aware of the next pay day, looking forward to it and sometimes having to wait for the money to be deposited before I can go buy something I need (or don’t need).

Now I look forward to pay days not with desperation, but excitement, because it means finally getting that satisfaction of putting extra money toward my debt.  It’s weird how some of the excitement I used to feel toward spending money has been transfered to saving money or paying down my debts.

Pay day is finally here (today for one job, tomorrow for the other), and I am so excited to finally be able to make my first significant payment toward the credit card I’m paying off first.

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