Mostly, I am very, very confused.
My October update is good. I decreased my total indebtedness by $1,574.80. But since I had INCREASED my debt in September, the net decrease is not quite that high--$1141.80.
Still, I'm glad to be back on track and to have the debt once again heading downward.
It's been a roller coaster watching my retirement funds--up, down, up, down, down, down, and now in the last couple of days, on the way up again.
I moved a couple of credit card balances around when Chase Slate offered no-charge balance transfers, and a 3.99 interest rate for the next year and a quarter. I make sure that I never go over 50% of my credit limits on any one card. For reasons I don't quite understand (personally, I'd never lend to me!) most of my cards have limits of $15,000 or more. The good news is that now the card with the highest interest is only 8.95% and most of my debt is either still on the introductory zero-interest or 2.99% or 3.99%. More of my hard-earned money is going toward the debt, not the interest.
So much for October. November and December are always expensive months but I do have a Christmas fund, which, with any luck, will cover my holiday expenses and allow me to keep reducing my total debt.