Making progress!

I am happy to say that I am sticking with the plan that I set for myself.  I now have $500 in my emergency fund and I am ahead of schedule with paying off my credit cards due to my security deposit from my old place.

I have only 2 credit cards left.  One is with JcPenney and that balance is $154, which will be paid completely on my next payday.  The other card is with Best Buy and that balance is $1962.  While that card was scheduled to be paid off on July 30th, it will now be paid off on June 30th!

I have absolutely no interest in using my credit cards again - no matter what.  I hate being tied to paying someone, throwing away money in interest charges.  I want to be free to do what I want and when I want.  As long as I have debt, that won't be the case.

So what next...

After the credit cards are paid, I will add another $500 to my emergency fund.  Then everything will go towards my car.  I hope to pay as much as the balance as I can and then to refinance for a lower interest rate.  This goal is now easier for me to think about because I plan on keeping this car long term and I've decided to wait for a house.  I figure I need to see how my income and schedule will be before I make a commitment to home ownership.