Well, I cancelled my hair appointment and I called to set up an appointment with a Debt Consolidation specialist so that I can hopefully cancel my credit cards and line of credit and put that money onto my mortgage, it will suck that I'll be paying back this debt for basically the next 25 years, but it will make more sense because the interest on my mortgage is only 5.5% and that's a heck of a lot less than the 19.5% I'm currently paying to Visa, also since I'll only be making one payment for the whole thing rather than 3 diferent ones, it will reduce the amount I have to pay each month making it easier for me to get from paycheque to paycheque.
The lady I spoke to also said that they will work with me to set up a savings plan as well and take some of the money that I am saving from only having to pay one loan and put it into a separate account so that I have an emergency fund and can actually start saving money like a normal person.
I'm feeling a little better about my situation, and I really do need an emergency fund because I know I'm going to owe about $2,000 on my taxes next year, and I'm the maid of honor in a wedding next July and its a destination wedding in Dominican, so that will be at least $2,000 as well. It seems like it just never stops!
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