Well January 2021 is now over and it is time for the monthly debt update. I can happily say that I have completely pay off one card and as for the second card, I have paid off approximately half of the debt. I went from 65.34% credit utilization down to 52.58%. That’s quite impressive.

After I paid off one card last year and vowed never to use it again, they raised the limit on the card. Crazy how I said I would never use the card again, and then the credit card company said here’s an incentive to use it. Ha. Nevertheless, I haven’t used that card in over 5 months and it feels oh so good. I know they’re are pissed but I don’t give a damn. They actually called me at the beginning of the month asking me why I wasn’t using the card. First I laughed because the question was just so ludicrous. Then I composed myself and said its because I no longer need you or your high ass rates. She seemed to take offense to the fact that I didn’t need them anymore, since their high rates is how they get paid. But they will no longer get it from me.

I am now trying to pay down card #2 by the end of February. It will be a little trickier since my side hustle isn’t producing like it was last year. I guess people aren’t ordering as many packages this year. That’s ok because my company’s end of year is coming up and that means it time for me to work overtime nearly every week in March. So that helps and hopefully once March is over, my side hustle will be back in full swing.

More to come. Wish me luck.