Tell All Tuesday – Standing Still

Because of the tire situation detailed in the post this morning, the actual finances are standing still this week. I’ll write about it all in much more detail tomorrow, but the short story is that I’m not paying the credit card bill quite yet as planned. It isn’t due until the end of the month and is at 0% interest, so it doesn’t negatively affect anything except my “right now” debt decreasing feeling. But hey, patience is a virtue. Patience. In all aspects.

So my actual numbers are the same as last week:

Current amount owed:

  • Credit Card (Citibank): $5,049.61
  • Student loan: $12,038.71
  • Spouse student loan: $12,308.71
  • Car loan: $4,001.78


  • Debt at start of blog (6/19/07) : $36,451.71
  • Current total as of 10/09/07: $33,398.48
  • Principal paid to date $3,053.23
  • % debt paid (from NCN Network Chart): 8.38%

That doesn’t mean nothing at all happened this week – just nothing that got applied yet to debt.

I have a number of pending snowflakes: I have received $5 from doing surveys that is sitting in my savings account waiting for me to apply it to debt. I also have another $32.20 I am expecting to receive any time now also from doing surveys, and $2.70 in paypal that I am transferring to my checking account (left from the ebay sale) that will be applied to debt. So that is potentially $39.90 (if I get all the survey money in this month) for alternative income snowflakes. Not $100 yet but there is still some time.

I also have the $82.80, which was last month’s surplus, to apply to debt this month, and I still will be. Just after my spouse is paid again instead of this first paycheck, due to the tire issue.

I received my first credit card bill from Citicard – my minimum payment is only $75! That is not even 2% of the total balance! Whoa. I guess they really want me to have a lot of money left at the end of the 12 months to pay interest on. I didn’t even know the credit card could set a minimum under 2%. Heh. I’ll still be paying my self-set $200 minimum. I just thought that was interesting.

And craigslist is driving me crazy. I could write a whole post about this. Why are there so many time wasters on craigslist? I guess because it is free. I will get an email and respond back and forth several times and just when we’re working out the final details, they disappear. It happens a lot. I thought I had made two sales of $15-$20 each and both just evaporated. So… whatever. I’ll sell something someday.

That’s it for this week! By next week I’ll have paid the car payment (have to pay it a little early because of our trip) so I’ll have something to report. And hopefully I’ll have collected a few more snowflakes!


  1. Michele Says:

    October 9th, 2007 at 1:05 pm


    Don’t be too discouraged. It seems as if you are on the right track overall and setbacks will always be a part of the equation no matter what we do.

    I am a new reader and wanted to sincerely thank you for the “snowflake” idea. The concept has really helped me. I was doing some surveys, but have since picked that up and have come to realize that even $4 checks applied to debt make a difference over the long run.

    I know that you are in a bad place re: craigslist right now, but I tried that out for the first time since reading your posts about it. Call it beginner’s luck I guess…but I made two $10 sales within 24-48 hours of my posts!!

    I’m participating in a consignment sale this weekend. Last time I got $109 that I frittered away…this time whatever I make will go straight to debt.

    Again, thanks for your blog and the idea of snowflakes…winter is right around the corner!!


  2. Cynthia Says:

    October 9th, 2007 at 3:06 pm

    I just have to commiserate on the Craigslist venting. I’ve had that happen to me many times as well. And then I’ll hit a string of very interested parties who come by the next day to pick up their items and pay my asking price without blinking. I’m even shipping out something tomorrow to a person 5 states away that found my listing on Craigslist. She paid with paypal and the transaction has gone quite smoothly. I wish all sales were that easy!

  3. Stacey Says:

    October 9th, 2007 at 5:39 pm

    ummm, snowflakes? I am very interested to hear your explanation….do you have a post that explains this?

  4. Kimberley Says:

    October 10th, 2007 at 4:39 pm

    Actually I would like to hear the full explanation of snowflakes as well. You seem to have set a goal for them. From what I gathered linking around your site I may have a suggestion for you. I started out with the surveys and “Get paid to” sites as well. Recently (6 months) I have started signing up for mystery shopping. Again, this won’t make you rich – but you may find it catapulting you a little closer to your $100 a month. I have signed up with lots of sites and some pay reimbursement + $, some are free and pay cash. When I started I only did free ones until I was sure I would be getting paid. A good starting place (free) is mysteryshopping dot org.

    I would be happy to give you more details about exactly who I have worked with and the jobs. Just email me so I don’t go on and on and on and on on *your* blog. :)

  5. paidtwice Says:

    October 10th, 2007 at 10:28 pm


    Snowflakes are a mini version of the Dave Ramsey debt snowball idea. I can’t take credit for it at all. I will throw together a post explaining it though in the next few days. :)

    I’ll email about the mystery shops :)