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My credit card debt is now about $8100, down from over $11,000 in January. At times I feel like I'm getting nowhere so it is good that I'm keeping these records. I can see the progress, even though from time to time I have an expense for which I do not have cash and I put it on a card. I try to get that paid off as soon as possible, that extra expense, so I can be back on track.

Even better, with some of the cards paid off there are fewer payments so it is easier to deal with what's left and to continue to make bigger payments on the higher-interest cards.

I am still worried about how I will pay for everything when I have my new home but I suspect that with some judicious cutting here and there I will do all right, although I will certainly notice.