So, as I’ve made clear in the past, I’ve decided to take on my debt full-tilt using ideas from Dave Ramsey’s books and various financial blogs I read. My budgeting earlier this year was skewed by irregular income for a couple of months, courtesy of leaving teaching, having unemployed time, then starting a new gig. I’ve been chipping down at one debt in particular these past few months — it’s a credit card where one charge went just over the credit limit, blooming in fees and extra charges beyond what I could pay during my paycheck-to-paycheck living while teaching. I made out like a bandit on my tax return this…