A few weeks ago when I started this blog I had right at $4k in cc debt. I am currently at $2600 and if all go as planned I will down to $2150 tomorrow. I transferred the remaining cc debt at 7.99% to my 0% cc so I could have 1 monthly payment. The balance transfer fee was $15, which wasn't too bad. I am trying to continue to simplify my life as much as possible. Even though I have made great progress, I still have a ways to go with a car loan and student loan. I also feel like I am behind on retirement. I have less than $5k saved and I am almost 30yo. In January, I plan to start putting $200 a month into my company 401k. The only problem is my company doesn't match. I don't qualify for a Roth IRA because me and my husband file separate because my student loans are on a income sensitive repayment right now. I plan to tackle my student loans aggressively once my car is paid off.


Do you think I would be better off with a Roth Traditional IRA?

I have made some progress on my CC. YAY ME!!! CC#1 balance is currently at $1688 and CC#2 is still at $1450. I plan on paying $250 to CC#1 on Friday. CC#2 is currently at 0% until Nov '12 so I've decided to pay the minimum monthly payment and then make a big lump sum payment in Oct'12. That way I can pay extra on my car loan. Other than that, I am continually trying to spend less as possible. I did buy me a new pair of Levi's yesterday at a discount store that recieves all the extra's from Dillard's, J.C. Penneys, and other major department stores. Considering I am 5'9" size 4/6, finding a pair of well-fitting jeans for $9 is a bargain.