Am I on the right track?

[Mr Nice Guy]

Dude, you came here... You are definitely on the right track1!! I suggest doing some studying on other posts and if you get some free time, contribute to other threads. Many wise people here, you will soon see who they are if not already.

Remember, in this game, you must play good defense(saving,) and good offense(earning.) Defense is the easiest thing to manage(for me anyway,) but keep your eye on both fronts and watch the net worth increase.

And I will add that even though it was irresponsible to give when you couldnt afford it, your heart still shows where it is at, and I think that is cool.

[DanielB]

Thanks to all for the additional input. I've made a few more accomplishments:

- Received a promotion + raise which should increase take-home pay by $34 per week ($147.33/month). I'll also now be eligible for bonuses up to $2,000 per quarter based on the performance of my accounts.

Credit card balances are currently:

Credit Card 1 (7% interest, $1,000 limit) - $919.99/$50 min. monthly payment
Credit Card 2 (22% interest, $5,500 limit) - $2,794.xx/$165 min. monthly payment
Credit Card 3 (N/A interest, $1,500 limit) - $0.00
Credit Card 4 (N/A interest, $3,000 limit) - $0.00
Credit Card 5 (0% interest, $700 limit) - $698.xx

Total Credit Card: $4,411.99

Unfortunately, the balance on credit card 2 has not dropped by as much as I had hoped as some unexpected clothing expenses came up (I've lost a lot of weight recently).

For now, I have kept the iPad, since I am using it to view my digital school books for my MBA program (included in the cost of tuition). This is saving about $500 every two months. Does this seem wise?

I have not yet been able to file my taxes, as I'm waiting on one last form for my brokerage account. After looking at my situation again, however, I realized I may only be getting back $1,000, instead of the $1,600-$1,800 I originally expected. I need to discuss this in more detail with my accountant. But it basically relates to section 179 deductions I took last year at the direction of my accountant in regards to my now-closed business. So I have to admit, this kind of depressed me.

So anyway, that's where I'm at right now. I almost feel like I'm treading water and haven't made any real progress since last posting. Does it sound like I'm making Ok progress?