{"id":249,"date":"2021-01-02T13:22:00","date_gmt":"2021-01-02T18:22:00","guid":{"rendered":"http:\/\/ericasjourney.com\/?p=249"},"modified":"2021-01-18T13:24:13","modified_gmt":"2021-01-18T18:24:13","slug":"2021","status":"publish","type":"post","link":"https:\/\/ericasjourney.com\/index.php\/2021\/01\/02\/2021\/","title":{"rendered":"2021"},"content":{"rendered":"\n

I am so happy to see 2020 in the rearview mirror of life, I don’t know what to do. I started 2021 off the same way I always do, falling asleep 20 minutes before the ball dropped and waking up a few minutes afterwards and saying Happy New Year. I’ve already decided that 2021 would be nothing like 2020. So I’ve decided that 2021 will be the year of debt. Yeah I said it, DEBT. Last year I paid off one card in full and was this close to paying off two more. Unfortunately I purchased myself some Christmas presents and my car needed a bit of work (new brake pads and oil), so it went out the window a bit, but I’m prepared this year. I’m taking no prisoners\/<\/p>\n\n\n\n

I currently have about $24,500 in debt spanning 4 credit cards. That’s about 65% of my utilization rate. After doing some calculations, I figured I could have 1 card paid off by the end of the month, and another by the end of February. I’m using the snowball method to pay down the debt. <\/p>\n\n\n\n

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I did a flip flop with the two lowest amounts simply because one reports to all credit bureaus and the other doesn’t. There was about a $300 difference between them. I want to have all my credit card debt paid off by the end of 2021. That’s a high task but I think I can do with a little maneuvering and a few side hustles.<\/p>\n\n\n\n

I have things I want to accomplish once this ball busting debt is paid off. I want to pay CASH for a new automobile. I want to remodel my 1980s kitchen that doesn’t work. I want to take a trip out of the country (assuming the worldwide pandemic is over), etc. I am up for the challenge. Updates will be provided monthly, starting at the end of January 2021. Hopefully you guys will comment with your ambitions and goals for the 2021 year.<\/p>\n","protected":false},"excerpt":{"rendered":"

I am so happy to see 2020 in the rearview mirror of life, I don’t know what to do. I started 2021 off the same way I always do, falling asleep 20 minutes before the ball dropped and waking up a few minutes afterwards and saying Happy New Year. I’ve already decided that 2021 would […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[4],"tags":[44,46,27,45],"class_list":["post-249","post","type-post","status-publish","format-standard","hentry","category-life","tag-44","tag-credit-card","tag-debt","tag-life"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t