It didn't occur to me until just a few minutes ago (literally) that my Citibank card is now below $3000. I honestly cannot remember the last time that that balance has been below that mark. At a minimum it has to be at least 5 years. Likely 6 or 7 years or more, as that was one of the first credit cards I'd ever signed up for.

This may not sound like a huge deal... but it is. I may not be making the biggest sacrifices to get my debt paid (I still like to eat out once in a while and do enjoy picking up a new movie now and then)... but don't let that fool you into thinking that I'm not making them, in my own way.

For instance, I happened to realize yesterday that I could finally pick up that Mac mini I've been eying for a while now - thanks to my Federal tax return. I want to get another Mac but have no need for a laptop... plus, I could dual boot the mini and keep Win7 as well.

Anyway... once I figured this out, I was on Apple's website pricing them. I pretty much already knew how much they are and what I would get (I also priced a memory upgrade on Crucial), but wanted to browse anyway. Even considered driving up to Eastview today to pick one up in person (despite the option to get a small discount from work if I order online).

I debated for a while and eventually decided to make a $600 payment on my Citibank card. Having done this, I no longer had enough money to get the mini - and my dilemma was resolved. No new computer.

Also off the list: new wheels for my car.

Those are my sacrifices. And they're especially hard when I DO have the money. But the problem is, I don't have the money. Just like trying to save money to buy a house, I cannot yet justify it when I have so much debt. Just not possible.

Once this card is paid off, that will be an even more incredible milestone. The account will remain open, of course, but will remain at a zero balance as long as possible. Hopefully for a long, long time.

Then of course, there's always the next one: Discover.

Some possibly related posts...