I can’t justify a 2nd job unless I can work from home

(which I’ve been looking at actually, trying to see if there is something legit I can do from home that will actually provide additional income) since it’s 15 miles to Okmulgee (one way) and I work in Tulsa full time which is a 100 mile round trip commute. So what I try to do is get my errands run on my way home so I don’t have to spend additional fuel.

What cheers me up is knowing that if I don’t change anything right now and keep paying what I have been paying all along, the first cc will be paid off by May 2014, the 2nd one by Sept 2014, the 3rd by Nov 2014 and then the CreditOne card in Dec 2014. The last two will be done by Nov 2015.

I am wondering if I shouldn’t be a little flexible on the 3rd one since it was closed quite a while ago so they can’t change my rate. I’m not familiar enough with this program to be sure if it makes any difference. If it’s not broke, no need to fix it, right?

Ok, you are still a wee bit confused

You would be paying interest because you are not at a zero balance with that card. Someone who is would not be, IF they paid it off within the confines of the contract agreement every month. One minute late and yes they would be paying interest. Every card has different rules, but most have a 10-20 day time span for you to pay off the card without getting extra interest added.
Anthea, you do NOT need that card, follow the plan and by this time next year you won’t believe you ever gave money away to credit card companies like you are right now.
Also, once you get going on a zero based budget and cash envelopes you won’t be having close calls with PSO any more.
Have you talked any to C about this? Maybe he can explain it better than I am.