So have been working on my budget and my dreaded CCs should be paid off first in may and 2nd in june...I have decided to tackle them both together not just 1 and then the other but if all goes well having both paid off in 4 months would be a great achievement and thats what we are working on....I do have a student loan but I don't need to pay on that...so I don't include it....I think this year is going to be great financially

I know sounds dramatic but for anyone that knows since covid we have had so many issues with taxes and it has been horrendous so last year we still had issues but we make sure when we send they have tracking and signature so we know they get them. We did that again this year and they received them, processed them and put our refund in the bank already and its only february...this is amazing...we finally have a refund since I had more tax taken out this last year....but it is nice to know that we don't need to do anything again till next year...we are so happy 🥳

So I am unhappy to say that we have 2 credit cards that we will be paying off this year, one we have had for years and the newest one since sept 2024....I want to know in which order you would pay them off once I give you the information as I am going to go hard at them starting march, also not saying what we owe right now as I have to do some numbers but they are roughly the same, these are the terms not that we take cash out (or rarely) just so you have the info...and no we won't apply for cars with 0% transfer fee as it is so hard and annoying over here and our fees and %'s are high (aussie)

CC1 $58 annual fee

13.74 % on purchases

21.99 on cash withdrawals

CC2 $8 card fee monthly (new)

$1.95 each time you make a payment they charge you (new)

27.99% interest

I was going to pay off CC 2 then CC1...but then I was thinking maybe I pay them off at the same time eg: if I had $1000 pay $500 on each....I'm just not sure, I know people say to stick with one and pay it off first then work on next one. Also thinking that we pay off CC1 as we will be keeping that card and then paying off CC2 and closing it...we don't need 2....we will eventually get rid of CC1 but want a lot more money in the bank before we do that

So any thoughts or advice on what you have done or are thinking would be great...Thanks

Well I am one that has insurance for most things...well 5 years ago my sisters house burnt down it was because of faulty  wiring, it was in govt housing...she didn't have insurance but she is one of those people who wastes her money and doesn't think or do much of the right thing...she had to start over as did the kids....well she didn't learn her lesson, last night her house burnt down again, she is interstate but the 2 kids got out as well as their snake and dogs...a bird and frogs didn't make it...and guess what no insurance again so again they have nothing...I can't believe it...Not sure what she is going to do or where she is going to stay when she gets back...but just can't believe she didn't have ins after the 1st fire 🤬

So 2 days ago hubby ended up going by ambulance (we have cover) to the hospital, he had stroke like systems again, they keep telling us it is hemaphlygic migraines...he said this one was different...so he went they did all his vitals, blood work (several times, a scan, an mri scan and they think it might be arteries in his neck, they were going to keep him but said he could go home if her wanted to so he did at 11.30 pm...he was much better...and the cost to us...ZERO

we are so lucky here to have the system that we do...doesn't mean we don't have our issues but people aren't put under so much financial pressure when they are ill or have a chronic illness.

He does have appointments with a neuro person on tuesday so we will see how it goes.