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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

Archives

Array
(
    [Feb 2026] => /2026/02/
    [Jan 2026] => /2026/01/
    [Dec 2025] => /2025/12/
    [Nov 2025] => /2025/11/
    [Oct 2025] => /2025/10/
    [Sep 2025] => /2025/09/
    [Aug 2025] => /2025/08/
    [Apr 2025] => /2025/04/
    [Mar 2025] => /2025/03/
    [Feb 2025] => /2025/02/
    [Jan 2025] => /2025/01/
    [Nov 2024] => /2024/11/
    [Sep 2024] => /2024/09/
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    [Aug 2022] => /2022/08/
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    [Dec 2021] => /2021/12/
    [Nov 2021] => /2021/11/
    [Oct 2021] => /2021/10/
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    [Jul 2021] => /2021/07/
    [Jun 2021] => /2021/06/
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    [Mar 2021] => /2021/03/
    [Jan 2021] => /2021/01/
    [Dec 2020] => /2020/12/
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    [Oct 2020] => /2020/10/
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    [Feb 2020] => /2020/02/
    [Jan 2020] => /2020/01/
    [Dec 2019] => /2019/12/
    [Nov 2019] => /2019/11/
    [Oct 2019] => /2019/10/
    [Apr 2019] => /2019/04/
    [Mar 2019] => /2019/03/
    [Feb 2019] => /2019/02/
    [Jan 2019] => /2019/01/
    [Dec 2018] => /2018/12/
    [Nov 2018] => /2018/11/
    [Sep 2018] => /2018/09/
    [Aug 2018] => /2018/08/
    [Jul 2018] => /2018/07/
    [Jun 2018] => /2018/06/
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    [Apr 2018] => /2018/04/
    [Mar 2018] => /2018/03/
    [Feb 2018] => /2018/02/
    [Jan 2018] => /2018/01/
    [Dec 2017] => /2017/12/
    [Nov 2017] => /2017/11/
    [Oct 2017] => /2017/10/
    [Sep 2017] => /2017/09/
    [Aug 2017] => /2017/08/
    [Jul 2017] => /2017/07/
    [Jun 2017] => /2017/06/
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    [Feb 2017] => /2017/02/
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    [Dec 2016] => /2016/12/
    [Oct 2016] => /2016/10/
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    [Aug 2015] => /2015/08/
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    [Nov 2014] => /2014/11/
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    [Jun 2014] => /2014/06/
    [Feb 2014] => /2014/02/
    [Jan 2014] => /2014/01/
    [Oct 2013] => /2013/10/
    [Sep 2013] => /2013/09/
    [Aug 2013] => /2013/08/
    [May 2013] => /2013/05/
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    [Jan 2013] => /2013/01/
    [Dec 2012] => /2012/12/
    [Nov 2012] => /2012/11/
    [Oct 2012] => /2012/10/
    [Aug 2012] => /2012/08/
    [Jul 2012] => /2012/07/
    [Jun 2012] => /2012/06/
    [May 2012] => /2012/05/
    [Apr 2012] => /2012/04/
    [Mar 2012] => /2012/03/
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    [Jan 2012] => /2012/01/
    [Dec 2011] => /2011/12/
    [Nov 2011] => /2011/11/
    [Sep 2011] => /2011/09/
    [Apr 2011] => /2011/04/
    [Mar 2011] => /2011/03/
    [Aug 2010] => /2010/08/
    [Feb 2010] => /2010/02/
    [Jan 2010] => /2010/01/
    [Dec 2009] => /2009/12/
    [Nov 2009] => /2009/11/
    [Oct 2009] => /2009/10/
    [Sep 2009] => /2009/09/
    [May 2009] => /2009/05/
    [Apr 2009] => /2009/04/
    [Mar 2009] => /2009/03/
    [Feb 2009] => /2009/02/
    [Jan 2009] => /2009/01/
    [Dec 2008] => /2008/12/
    [Oct 2008] => /2008/10/
    [Sep 2008] => /2008/09/
    [Aug 2008] => /2008/08/
    [Jul 2008] => /2008/07/
    [Jun 2008] => /2008/06/
    [May 2008] => /2008/05/
    [Apr 2008] => /2008/04/
    [Mar 2008] => /2008/03/
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    [Jan 2008] => /2008/01/
    [Dec 2007] => /2007/12/
    [Nov 2007] => /2007/11/
    [Oct 2007] => /2007/10/
    [Sep 2007] => /2007/09/
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    [Dec 2006] => /2006/12/
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    [Jun 2006] => /2006/06/
    [May 2006] => /2006/05/
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)

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Date Started: Feb 13, 2006
Entries: 2,620
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Home > Cleaning Up Credit

Cleaning Up Credit

August 6th, 2006 at 03:59 pm

As you all know I am in the process of cleaning up my credit. I have mailed letters right and left trying to get things removed, well I just got two letters returned from companies that ran my credit report without my consent and now I have to write a letter to Equifax asking that they remove this inquiry. Boy is it sure easy messing up your credit but it's like pulling teeth to fix it. Once I get thismess straighten out I am going to stay on top of my credit. If I knew then what I know now

Posted in Miscellaneous | 3 Comments »

3 Responses to “Cleaning Up Credit”

jacquelynrose Says:
August 6th, 2006 at 04:32 pm 1154881971
1154881971

I think that is why I have not touched that yet....But Good Job on working on it!

Jacquelyn
veronak Says:
August 7th, 2006 at 12:33 pm 1154953998
1154953998

Actually I am using the Credit Info Center they have great sample letters

here is the link:
http://www.creditinfocenter.com/
debtfreeme Says:
August 8th, 2006 at 12:13 am 1154995988
1154995988

write into the three largest agencies and request that they freeze or lock your account so that if someone wants to pull your account they have to get your permission. It works.

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Amber's Personal Finance Blog

Trying to stay away from debt

Cleaning Up Credit

3 Responses to “Cleaning Up Credit”

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