@billa9b0ng - I actually consolidated a lot of the credit cards into lower interest rates.
I'm pretty content with the interest rates on my student loans at the moment.
After balance transferring/paying some bills my debt is at:
CC#5: $760.00 @ 0% until August 2014
CC#6: $3,400.00 @ 0% until January 2015
CC#7: $8920.00 @ 2% until November 2014
Loan: $4,590 @13%
SL #1: $220 @ 5%
SL#2: $2,640 @ 2.35%
SL#3: $3,360 @ 2.35%
SL#4: $660 @ 2.1%
SL #2, #3, and #4 are on income based repayment at $0 right now, so I'm focusing on the CC debt.
It's been a slow month, mostly because small expenses keep popping up. Next payday is this Friday and I'll try to be more accountable at that point. I'm still trying to figure out the best way of logging everything to keep track of everything.
December will be a busy month, so I am trying to prepare. I've already finished half of my Christmas presents. I'm hoping to supplement everyone's gifts with something homemade.
The BF and I are also training to run a 8 mile race in February. It doesn't snow here, so we can run all winter long. Now just to pay for our entry fees!
I'll post more when there's something interesting, but right now, I'm just chugging along.