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About Me:

Amber

South Floridian on the "Get Rid of Debt" cycle for a second time. 💰

My journey begins with tackling Baby Step 2

Started tracking my progress on 4/21/2017, but did not get serious until August 2017

November 26, 2018 I bought my home 🏡
February 11, 2025 I bought my car 🚗

===================
Sinking funds
* Fun/vacation $119.27
* Christmas club $206.33
* Sorority $166.46
* Gifts (e.g. birthdays, showers) $114.15
* Car maintenance/insurance $615.37
* HOA $1238.20
* Home Mortgage $2,713.63
Monthly payment $759.74
* Home Repairs $257.55
* Prof. Certification renewal $21.25
* Medical/HSA $171.93
*Car Payment Acct $1192.91
Baby step 1 (EF) $11,048.47
Baby step 1b (Reserved car payment) $1450.45
Rollover IRA $22,322.37
IRA Previous balance $25,459.86
401(k) $35,588.02
Roth IRA $152.58

—————————-—————————
Started May 2019
Net worth beginning -$183,166.24

Net-worth
7/31/2023 $51,814.80
7/14/2023 $54,344.13
6/7/2022 $39,799.17

—————————-—————————
Debt

2/11/2025 Car
Original balance $41,000
New Balance 36,000
Monthly Car Payment $591.28

11/1/18
Original Mortgage: $140,000.00
Mortgage financed: $119,500.00
New balance: $98,280

10/2022 Student Loan Consolidated Original Balance: $35,622.23
New Balance: $8077.30
Interest accrual $1.62 as of 2/5
Daily interest rate $1.62
January 2025 Balance was 24,155.10

Consolidated student loans on 10/18/2022
Student Loan 2: $55,202.21
* Initial Account 4 balance $28,711.66
• Current account bal #4 bal $0
* Initial Account 2 balance $13,873.23
• Current Account Bal #2 bal $0

Student Loan 1: $28,046.16
* Initial Account 1 balance $8,141.53
* Current Account #1 balance $0
* Initial Account balance $19,904.63
• Current account #3 balance $0

CC12: BOA Travel
Org. Balance: $2050
New Balance: $0

CC11: Home Depot
Org. Balance $2600
New Balance $0

CC10: Sams club Starting balance $10,150.69
New balance: $ 0

CC9: BoA starting to balance $0
New Balance: $0

CC8: Macy's Amex starting balance $0
New balance $0

CC7: JCP starting balance $2,608.12
New balance $0

CC6: Macy's store starting balance $0
New balance $0

CC5: HSBC starting balance $2,115.00
New balance $0

CC4: Target starting balance $1,992.32
New balance $0

CC3: City Furniture starting balance $1,821.31
New balance $0

CC2: Citi 2 starting balance $9300
New balance $8,300
Balance transfer

CC1: Citi 1 $0

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Home > Made out like a bandit today

Made out like a bandit today

July 3rd, 2006 at 06:29 pm

Well I went to donate blood today and because I have very small veins they were unable to draw any blood. But I got a GC for free lunch at Chick fil a and $20.00 GC for home depot ( I will give my mom $10.00 and use $10.00 for hurricane supplies...batteries) So I made out pretty good today

Posted in Miscellaneous | 3 Comments »

3 Responses to “Made out like a bandit today”

PRICEPLUS Says:
July 3rd, 2006 at 06:59 pm 1151953180
1151953180

Sounds like you made out well. They had trouble with my veins last few times but there were no gift cards!
carol Says:
July 3rd, 2006 at 10:24 pm 1151965473
1151965473

My oldest son also made out like a bandit today(with mom's help of course)
He went to summer school, had a perfect attendance, received $100 in local Chamberbucks(printed cards in different denominations and colors) to be spent at over 100 places of business of his choice.

We went to the Wal-mart Super Center today(it was 93 degrees)(help I'm melting!). He came home with a six pack of socks, 2 swim trunks, 2 pairs of maroon school gym shorts, 1 nice pillow, 1 very nice sleeping bag/comforter, and 1 nice pc game. And he has $3 in Chamber bucks left over. He's pleased with his pc game, mom is pleased at getting 1/2 of his school wardrobe and maximum use out of his hard earned Chamberbucks.
veronak Says:
July 3rd, 2006 at 10:49 pm 1151966976
1151966976

I know he felt great today, good for him and your pockets, Carol

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Amber's Personal Finance Blog

Trying to stay away from debt

Made out like a bandit today

3 Responses to “Made out like a bandit today”

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