I kept track of my accounts in December, but didn’t get around to posting an update due to holiday travel and just plain laziness.  Obviously, I took a step backwards in credit card payments – which really were based on finance charges.  But as always, I’m really looking forward to the next few months since I tend to get a pretty nice tax refund which I apply directly to my debt.  I’m hoping to knock off one of my cards and increase my snowball payment amount.

It’s really encouraging that my overall net worth is nearing positive numbers, but as I’ve mentioned before I know the main number that I need to focus on is how much debt I have on credit cards. I’m really hoping that 2010 is the year that I get out of debt and start building up some wealth while I wait for my student loan payments to start.