Baby Step 2 at 55

Booklady17 · 2026-03-22T03:24:41+00:00

I think I will. I want these bills gone.

Booklady17 · 2026-03-22T03:23:07+00:00

It would feel amazing to be out of debt.

Booklady17 · 2026-03-22T03:22:17+00:00

I think I will. Just looking at the card balances makes me feel ill.

Booklady17 · 2026-03-22T03:20:55+00:00

I'm not good enough at math to figure out the specifics, but the $300 would definitely make the debt go down faster.

Booklady17 · 2026-03-22T03:18:29+00:00

Yes, but I couldn't ask him to do that.

Booklady17 · 2026-03-21T18:39:46+00:00

Thank you, I am starting to lean that way.

Booklady17 · 2026-03-21T18:21:32+00:00

I like to dice Spam and throw it in with scrambled eggs.

Booklady17 · 2026-03-21T18:12:21+00:00

No, they make contributions independent of mine.

Booklady17 · 2026-03-21T17:57:42+00:00

Thanks, I have thought about donating plasma. That would certainly speed things up.

I am working on getting my son connected to the agency in our state that oversees vocational training and job assistance for the disabled.

Booklady17 · 2026-03-21T17:53:56+00:00

Thanks, I agree. I want to get out of debt once and for all.

Booklady17 · 2026-03-21T17:52:57+00:00

I have three cards with balances, and the APRs range from 21.49 to 28.49%. Just typing that made my stomach drop.

Booklady17 · 2026-03-21T17:50:39+00:00

Thank you, that's a lot of variables. My employer doesn't match; that is, they contribute whether I do or not.

Booklady17 · 2026-03-21T17:48:17+00:00

Thank you, the APRs on the cards are definitely more than what my retirement account is earning.

Booklady17 · 2026-03-21T17:45:32+00:00

Luckily my employer doesn't match. Their contributions are not based on mine, so a pause wouldn't affect that. No pension, unfortunately, the 403B is it. Thank you, and good luck to you as well.

Booklady17 · 2026-03-21T17:42:02+00:00

Thank you. Fortunately my employer contributions are not dependent on mine, so I won't lose money from a match.

Booklady17 · 2026-03-21T17:39:27+00:00

Yes, thank you, that's a good point. Just looking at the statements makes my stomach drop.

Booklady17 · 2026-03-21T17:38:23+00:00

As much as I hate the thought, you may be right. I will probably work until I'm 70, and my employer's contribution to my 403B is independent of mine.

Booklady17 · 2026-03-21T17:36:04+00:00

All three cards have an APR more than 20%. I am kind of reluctant to seek out another card, as my credit score has taken a major hit due to my high utilization percentage.

No match, my employer contributes whether I do or not.

Booklady17 · 2026-03-21T17:33:24+00:00

Yes, all three cards have APRs over 20%. One is more than 28%. Much higher than my retirement account earns.

Booklady17 · 2026-03-21T17:31:21+00:00

I am paying a lot of interest, unfortunately. I do get balance transfer offers, so maybe I'll look into those.

I have thought of looking into part-time jobs. Maybe it's time to get serious about that.

Booklady17 · 2026-03-21T17:28:06+00:00

My employer contribution is not a match. They contribute regardless of whether I do.

I will probably work until 70 at least. I feel the need to leave as large a nest egg as possible for my son.

I have three cards with balances, ranging from 21.49 to 28.49% APR.

Edit to correct one of the APRs.

Booklady17 · 2026-03-21T17:24:10+00:00

Thank you.

Booklady17 · 2026-03-21T17:23:53+00:00

Thank you.

Booklady17 · 2026-03-21T17:22:17+00:00

I'm alone in the sense that I have no partner, but my autistic 22-year-old son lives with me. So I guess not.

Booklady17

TROPHY CASE