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Paying Off the Debt

I think I’ve mentioned this before, but it bears repeating. Losing weight and paying off credit card debt are really similar. In both cases you’ve got a huge gap you have to cross little by little. Losing two pounds a week isn’t that different from paying off 100 dollars a week on a debt. In a sense, losing weight is like making up for exercise payments you never made. Your debt is in calories, not cash. Thankfully, your body doesn’t charge interest, but the credit card companies are not so kind.

While I’m still working on burning off my borrowed calories, I have finally slain the credit card debt monster! It’s ugly, scaly, corpse is dead and a cry of joy went out through the land. Today my final payment posted on the credit card debt I’ve had for a little over two years. Thankfully, most of that time was spent on 0% APR, so I didn’t rack up much interest. Though I might have trashed my credit rating a bit by opening a couple new cards. I’m not really sure. FICO scores are inscrutable.

My cash debt was due to may things – my dad and his expected financial support suddenly taking off at the end of college, the four months of unemployment before my first job, my sudden gall bladder surgery, a mouth with 12 cavities and no dental insurance, a broken transmission and a muffler problem – all of which happened within 12 months. Let’s just say 2003 was a shitty year. And the crap was really expensive.

I hated having the debt and hated that I was one of the idiots who swore she would never have credit card debt but ended up with thousands of dollars of it anyway. I am now ecstatic that I have finally paid it off. I still have surgery payments until July and a student loan that will take a couple years to pay off, but those have either no or low interest, so it’s all good.

Hopefully in a year my weight debt will be paid off too!

Chocolate & Vicodin: My Quest for Relief from the Headache that Wouldn't Go Away
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5 Comments

Kirsten • September 30, 2005 at 6:09 am

I really like your debt analogy – and am impressed that you’ve managed to overcome all that financial bad luck. (I am scared of credit cards and have never had one for fear I would forget to make a payment and rack up a huge debt without noticing. If only I’d had the same attitude to exercise etc. I’d be… dunno. Thinner than I am now.)

I’m new here and have just read all your archives. You write really well and I wish my nasty off-the-peg site looked as good as this (your progress pics are so funky).

Given what you’ve said about being tired of 200-pound whiners – do you know http://www.dietgirl.org? Definitely not a whiner, and a brilliant, funny writer. And although she’ll kill me for saying this, her story is really inspiring.

And OK, yes, I am under 200 pounds, but I try not to whine…

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Nikki • September 30, 2005 at 9:37 am

Totally true. Trimming debt is as painstaking as trimming my waistline and I have a bit of both. I have to say the the debt milestones are more predictable, which make is better.

PS. I found you from Hopeful Loser and I really like your twirly pics.

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PastaQueen • September 30, 2005 at 10:38 am

Kirsten – A credit card can be a dangerous weapon. I need at least one so I can buy things online, but I think it’s good of you to stay away from them if you think you’d miss a payment. The interest just compounds upon itself, costing you a lot.

I’ll go check out Diet Girl. I’ve been reading a lot of diet blogs the last two weeks and seriously need to update the blog roll. There’s so much good stuff out there!

I should probably shut up about “200-pound whiners” myself. I think I have a distorted perspective being 5’9″. If I were 200 pounds, I’d only be about 40 pounds overweight. However, if I were 5’2″ that would be closer to 80 or 70 pounds overweight – huge difference.

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PastaQueen • September 30, 2005 at 10:39 am

Nikki – Thanks for stopping by! I’m going to update with a new twirly pic as soon as my brother returns my digital camera. So be on the look out!

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hopefulloser • October 1, 2005 at 1:52 am

YAY new progress pics coming soon!

And congrats on clearing the debt, I love that analogy.

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Comments are now closed on all PastaQueen entries. The blog is an archive only so I don't have to deal with spammers. For fresh discussions please visit my new blog JenFul.

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Jennette Fulda tells stories to the Internet about her life as a smartass, writer, weight-loss inspiration, chronic headache sufferer, and overall nice person (who is silently judging you). She does this at JenFul now, but you can still have fun perusing her past here.

Disclaimer: I am not responsible for keyboards ruined by coffee spit-takes or forehead wrinkles caused by deep thought.

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