Welcome to my daily tracking of income and expenses for the month.

Income for the month to date: $94.75

Expenses for the month to date: $867.73

Net effect: -$772.98

So far the finances have been flowing well. I have been making payments to credit cards according to my snowball method so the balances are slowly slipping down.

I got the loan from Lending Club as I mentioned earlier but I am not counting this as income for two reasons:

  • This money is going right out to credit cards
  • The money is attached to a loan

I have taken the Discover card down to a zero balance so I am just going to wait a few days to start asking for interest rate reductions. I am sure that I will have to use this card to pay the upcoming medical bills so I would really like to pay a rate that is lower than the current one on the card.

The other card that I was contemplating using the Lending Club money for currently does not have the available balance amount listed. I am thinking about just sending a check via Electric Orange and losing out on the interest. Yes that would be best and I will do that later today.

I will see you guys and gals later as I continue my journey to save money and become debt free!!!!