the feeling of seeing the balance transfer complete

September 15th, 2007

The Feeling of Seeing the Balance Transfer Complete

Thursday morning while doing my daily financial tasks, I checked on my Capital One account online. There I saw the electronic payment of $5104.63 and my current balance of $0.00.

Yes, this was a balance transfer. I’ll get to that part. But the just… joyful feeling that came over me at seeing the $0.00 balance cannot be denied or really explained. It just is.

I sat there and stared at it for a minute or two, and then logged out and logged into my Citicard account. And there, in black and white, was the matching transaction, a current balance of $5104.63 through an electronic payment to Capital One. And the feeling this time was… not quite relief, but definitely a mellow feeling. A feeling of “Okay. Now, it can begin. The paying down of debt without dollars going to interest. The unrelenting attack on the principal. Here it comes. Watch out.”

I would have liked to make a payment right then. At least a symbolic one. A $1 “Here I come, debt!” payment. But with change comes adjustment, and I only get 4 electronic payments a month, and for now, until I get into the rhythm of things, I need to use those payments wisely. So no symbolic thumbing of the nose at the debt.

But the yard sale is today and by 2pm I will have some ammunition for a good nose thumbing. I hope it is a lot.

~J

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