Took the challenge...............did #1,2 & 3 today. Spent most of the morning on them actually, counting all the time spent on hold with the credit card companies. Made progress.
Made my list of credit card accounts. (3)
Have them listed in order of highest interest rates first. (Paid $1000 on the top one just now)
Made a list of the totals due on all 3. It was like hitting a brick wall. Never thought I owed this much. But, after the business closed and the move............there is just over 10,000. on all 3 cards totalled.
I vow to pay them all off this year.
I applied for another zero % for balance transferred card today. Will put card # 2 on this one, lowering the interest by several points on this account. Card #3 is only at 10%, not sure I can get much lower than that.......but will keep my eyes open.
I have been paying much more than my min payments on all 3 accounts. Will switch to paying minimum on the lower 2 until the first one is paid off..........should be 2 months or less. TA-DA!
Then, on to Card #2.

Added up my income.............again, it was a surprise. The monies coming from C. for room & board add up! Along with the private pay..........and my salary, it was a nice sum annually.
I will vow to add to the Schwab account this year, aiming for at least the $600 monthly I was doing before everything changed with CY last year. I did make the call to Schwab & paid off the balance owing, and changed the account so the monthly deposits are added to the sweep. Still happy with the 4 things in the account.

Did spend $90.00 today on the piano.........never did have it tuned before. It sounds so great now...... This did go against my plan to not spend in January, but I've been on this guys schedule for 2 months, I didn't think I could explain to him why he couldn't come today!!!

No other expenses today............
I love reading others journals....I am getting so many ideas & getting inspired to raise my bar here!!