Its time to really tackle the credit card which we were using for points and to leave money sitting longer in our offset account to reduce interest. I've reached the point where I just want to stop using it for day to day purchases. The reality is that I spend more easily, and lately as I've been tired out, I've used to too much buying snack foods and coffee etc.
So this morning I have removed it as an automatic payment for anything (paypal, a few subscriptions & online shopping sites). I pay off the last months balance each month, so that means the credit card should be at $0 by mid August. Then it will only be for emergencies or travel.
To Do List for July:
- get completely caught up with paperwork at work
- finish eating out freezer and defrost
- complete decluttering in lounge room
- sort paperwork on kitchen table and clear table
- set up new files for finances
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