Taking stock of all my finances tonight I logged into my credit card account and saw a balance below $400 for the first time! "That's funny," I thought until I realized that my persistent complaining got them to reverse the finance and late fees for the payment that never got processed. Thus, the $100 payment I made went entirely to the principal. Excellent!
This is my highest interest debt and if I don't get laid off I hope to have it knocked out by next February. Now my goal is even closer in sight!