I foolishly fell into Dell's easy payment plan and racked up a bill of almost $6000 worth of electronic gadgetry. They were so overpriced at the time too, but I couldn't see that. I just had to have the latest and the greatest. $2000 monitor, $1700 laptop, $500 for the PS3, $1600 on video cards. Seriously. I paid full retail price for the two GTX280s when they were hot back in the day. I didn't even need them, they were hardly taken advantage of. But I had a computer rig to DIE for and that's all that mattered. Right?
Of course, I was only making the minimum payments. Some months not even making payments at all.
And now, five years later, what do I have to show for it? When times got tough (aka the bill collectors really started in on me), I sold off things with the intention of putting all the money towards the outrageous purchases. Of course I said that I would do it, but obviously easier said than done. I sold the laptop, a video card, and the ps3 after playing it ONCE and deciding that I didn't like it!! And I continued to make the minimum payments. Most of the time.
So today marks a breakthrough for me. Getting my act in gear and putting a bit of cash towards my smallest Dumb Dell Debt, I finally managed to pay off the PS3. After 2 years, of course there was still $350 left to pay off! I never realized how little my payments were affecting the principle until I started opening those envelopes. You know the ones you used to avoid or ignore. In two years I could've saved that $15 a month and would've been able to afford one, but here I was still paying for something I didn't even have anymore.
So my last few paycheques, I'd throw $100 at it. I never realized how great it felt to see that number diminishing. And as of right now:
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