1. Use 1/2 of tax refund to help pay for my conference trip to avoid using cc as much as possible.

2. Work very hard to get a roommate to share a hotel room with at the conference, cutting my hotel costs by a significant amount.

3. Answer as many surveys as possible in order to cash points in for cash or restaurant cards prior to leaving on trip.

4. Set aside $80.00 per pay period to go to the conference in order to avoid as much as possible not using the cc.

4. Get Hospital Debt #1 paid off. Estimated Payoff Debt June 30. After I get back from my conference trip on about June 7th, I will turn in all my receipts. The total cost for the trip will be close to $2000 and I should get back around $1500. I will use however much it takes to pay off Hospital Debt #1.

5. Continue to make payments on Hospital Debt #2.

6. Begin contributing to a savings account again, setting aside $5.00 a pay period.

I know that it sounds crazy, and even stupid, to go on a trip for work when I have so much cc debt. I am required to do a certain amount of that type of activity for my job.