Working on Finances

     Today I am later than usual in getting my blog published because I have been working on my finances. I like to use Excel spreadsheets for account management. I have been keeping a record since about February. Before then, I kept a notebook with all my information. Excel makes it easier to keep my information in one place, and I can print the spreadsheets as needed. I've always kept a summary document of all my bills due and their respective due dates. It makes it easier to make payments on time, rather than going through all my mail and checking it repeatedly.
     Like most people, I have acquired credit card debt. Unlike most people, I have a plan to pay it off. My plan is to pay off one card at at time, while maintaining the minimum payments due on the other cards. Seems simple enough, but it feels like it is taking FOR-EV-ER! I live on a fixed income from VA disability and Social Security disability. This means that there is no such thing as "extra" money in my house. Everything is budgeted, every month. Full disclosure, I got in over my head with a relationship that went sour, and spent more than I could afford to pay back. I needed help, and reached out to family. Otherwise, my credit score would have plummeted. I am working on getting it higher to be able to refinance my house to make repairs. One thing leads to another, right?
     My dad's partner destroyed my kitchen floor when they were living here. It's going to cost me at least $1,000 to replace the whole kitchen floor, which is the only thing that can be done at this point. Neither my dad, nor his partner paid for the damage. If you have been reading my blog, you are well aware of why they were forced to leave.
     My "friend" that I "lost", left me with over $700 of debt for air plane tickets that she promised to pay me back.
     The bright side? Well, just as with the bad, so with the good, things build on one another. I have successfully paid off the balance to 1 credit as of the end of March. I am due to pay another one off this month. Within the 12 months from the time I started, I will have paid off at least 5 accounts. Once one is paid, I recycle the old payment due money into the next account's payment. It picks up speed around this Fall. There IS Hope! Pretty sure it just seems like forever because we are stuck at home. I've lost track of days I don't know how many times.
     I am trying to find a way to make money. That would help A LOT. I could pay my debt down faster for sure. Currently, I am still in training to be a doTerra Wellness Advocate. I don't know if this is the right choice for me, as it is already stressing me out. I had to put training any further on hold, and recollect myself, as I was falling apart. The products I have bought and tried from them, though, I stand by. They ARE awesome. I am going to try the supplements bundle soon. I am just waiting for them to be delivered. I hope they will help me feel better on a daily basis, healthier.