I made my first payment of $2000 to the BoA VISA today. At first I screwed it up and forgot to check the date I'd scheduled it for. This was because it used to put the first day available for payment, but they switched their payment page to the same one they use for MasterCard (which I haven't used in months) and now it automatically schedules it for the day the payment is due, which wasn't until 1/21.

I tried calling them to see what I needed to do to change it, but their phone customer service is completely unhelpful in this situation and offered no option for speaking to a human. Plus it takes forever to get to the point. Ugh.

So after that I thought about just leaving it scheduled as I had planned to make another $2000 payment on the 18th, and could have just let it go through on the 21st instead and then scheduled a different payment for today, but I really didn't want to do that. I like having the money in the account before scheduling a payment.

So I slogged through all the FAQ's and stuff on the bill pay and finally found where you can make a change to a scheduled payment, so I was able to change the date from 1/21 to today. The payment should post tomorrow. That will leave that card with a balance of $5407.11, with 3 more payments of $2000 each going at it this month.

DH will have to charge a plane ticket, a hotel night, and travel food once before it is paid off, but I'll figure out how to absorb that. It'll be about $750, so I'll just need to come up with $158 more dollars unless interest hits at that point, then I'll have to come up with a little more. I still have $140.65 in the MacBook Fund I can borrow from if needed and $400 in the vacation account. If I do wipe out the MB fund I'll need to repay it with some of the income tax return as DD is to start her senior year with that and it is eight months away.

As it stands that brings our total credit card debt down to $10,507.11 for the moment. It feels good to finally be moving forward with this January plan.