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

Income for the month to date: $429.03

Expenses for the month to date: $2657.74

Net effect: -$2228.71

Wow, for the first time in a few days I have not sent off credit card payments. The payment this time was the insurance on the car, which I put on the Chase card so I could get the points.

In an earlier post I had mentioned that I would focus on bringing the Chase card down to zero next. I have had to revise that snowball goal and I am going to pay off the Citibank card next.? This is because I am using the Chase card as my ‘everything’ card so I will have purchases on it every month.

The interest rate on the Citibank card is also higher so it makes more sense to bring the balance down more.

I am going to call the credit card company right now to see if I can get my rates lowered because I just noticed that my credit scores all went up!!!

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