I have finished updating all of my spreadsheets now, and so all of March has been entered. Even though today and next Friday both take place in March, all of it will go towards April bills since I have finished paying everything for March 2 weeks ago.

I was setting up the April budget and I realized that with two paychecks from March going to April and there being 3 paychecks in April, I'm actually dealing with an extra paycheck for all of April's bills. I think this happens twice a year, but I wasn't expecting it to be so soon.

Anyway, the great news there is that the extra paycheck is enough to pay off the BoA Master Card in total. We might have to do it in two payments, depending on the due date of the BoA VISA, but if the VISA isn't due until April 20th, we will be able to pay off the MC next payday. I just won't know until they put up the new statement online for the VISA. It's been running the 21st of most months, but I can't just take the shot until I see the statement. It should be up in a day or two as the MC statement just went up and it's got a due date of the 17nth.

If the due date is the 21st, then that means I won't have to take a VISA payment out of the paycheck cycle at all. Which means on the 20th I could make a payment out of the 20th's paycheck, and take the $1500 that doesn't have to come out of this cycle and put it on there, too. That whole $1500 will go to principal, as opposed to the usual payment which covers interest, airfare for DH to work, hotel for DH, miscllaneous travel expenses, food expenses while travelling to and from work, the cell phone, the health club, and eventually the tae kwon do payment when that gets transferred. Which comes to about $1125 for interest and new charges. So only about $375 goes to principal on that payment. When I no longer have to make the MC payment of $800 a month, that means that I'll be putting almost $2000 on that card and almost half of it will count to bring down the debt.

I am thinking when the BoA VISA is beneath $5000 having DH apply for a card with no interest for a year and then we can get it paid off even faster. Actually we still have a Citi card. It might have a deal going on. I'll have to have him look it up and see.

Being free of credit card debt is so close now. I just want to be done!