<< Back to all Blogs

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/
    [Apr 2024] => /2024/04/
    [Jan 2024] => /2024/01/
    [Dec 2023] => /2023/12/
    [Nov 2023] => /2023/11/
    [Oct 2023] => /2023/10/
    [Sep 2023] => /2023/09/
    [Aug 2023] => /2023/08/
    [Jul 2023] => /2023/07/
    [May 2023] => /2023/05/
    [Apr 2023] => /2023/04/
    [Mar 2023] => /2023/03/
    [Dec 2022] => /2022/12/
    [Oct 2022] => /2022/10/
    [Sep 2022] => /2022/09/
    [Aug 2022] => /2022/08/
    [Jul 2022] => /2022/07/
    [Jun 2022] => /2022/06/
    [May 2022] => /2022/05/
    [Apr 2022] => /2022/04/
    [Mar 2022] => /2022/03/
    [Feb 2022] => /2022/02/
    [Jan 2022] => /2022/01/
    [Dec 2021] => /2021/12/
    [Nov 2021] => /2021/11/
    [Oct 2021] => /2021/10/
    [Sep 2021] => /2021/09/
    [Aug 2021] => /2021/08/
    [Jul 2021] => /2021/07/
    [Jun 2021] => /2021/06/
    [May 2021] => /2021/05/
    [Mar 2021] => /2021/03/
    [Jan 2021] => /2021/01/
    [Dec 2020] => /2020/12/
    [Nov 2020] => /2020/11/
    [Oct 2020] => /2020/10/
    [Sep 2020] => /2020/09/
    [Aug 2020] => /2020/08/
    [Jul 2020] => /2020/07/
    [Jun 2020] => /2020/06/
    [May 2020] => /2020/05/
    [Apr 2020] => /2020/04/
    [Mar 2020] => /2020/03/
    [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/
    [May 2018] => /2018/05/
    [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/
    [May 2017] => /2017/05/
    [Apr 2017] => /2017/04/
    [Feb 2017] => /2017/02/
    [Jan 2017] => /2017/01/
    [Dec 2016] => /2016/12/
    [Oct 2016] => /2016/10/
    [Sep 2016] => /2016/09/
    [Apr 2016] => /2016/04/
    [Mar 2016] => /2016/03/
    [Feb 2016] => /2016/02/
    [Jan 2016] => /2016/01/
    [Aug 2015] => /2015/08/
    [Jul 2015] => /2015/07/
    [Jun 2015] => /2015/06/
    [May 2015] => /2015/05/
    [Apr 2015] => /2015/04/
    [Mar 2015] => /2015/03/
    [Feb 2015] => /2015/02/
    [Jan 2015] => /2015/01/
    [Nov 2014] => /2014/11/
    [Oct 2014] => /2014/10/
    [Aug 2014] => /2014/08/
    [Jul 2014] => /2014/07/
    [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/
    [Apr 2013] => /2013/04/
    [Mar 2013] => /2013/03/
    [Feb 2013] => /2013/02/
    [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/
    [Feb 2012] => /2012/02/
    [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/
    [Feb 2008] => /2008/02/
    [Jan 2008] => /2008/01/
    [Dec 2007] => /2007/12/
    [Nov 2007] => /2007/11/
    [Oct 2007] => /2007/10/
    [Sep 2007] => /2007/09/
    [Aug 2007] => /2007/08/
    [Jul 2007] => /2007/07/
    [Jun 2007] => /2007/06/
    [May 2007] => /2007/05/
    [Apr 2007] => /2007/04/
    [Mar 2007] => /2007/03/
    [Feb 2007] => /2007/02/
    [Jan 2007] => /2007/01/
    [Dec 2006] => /2006/12/
    [Nov 2006] => /2006/11/
    [Oct 2006] => /2006/10/
    [Sep 2006] => /2006/09/
    [Aug 2006] => /2006/08/
    [Jul 2006] => /2006/07/
    [Jun 2006] => /2006/06/
    [May 2006] => /2006/05/
    [Apr 2006] => /2006/04/
    [Mar 2006] => /2006/03/
    [Feb 2006] => /2006/02/
)

My Favorites

Sites I Enjoy

My Blog Stats

Date Started: Feb 13, 2006
Entries: 2,620
Comments: 7,868
Total Visits: 9,793,989

Home > Blogging has helped

Blogging has helped

August 10th, 2006 at 01:51 pm

Since I have started blogging and keeping track of every dime spent, I realize it is nice to see my savings and personal accounts grow. It actually feels really good. I have tried to introduce my friend but she has failed to launch. This is more like therapy, I know I have a way to go but at least it is a start. CC's are paid, money is in the bank, I am contributing to my IRA on a regular basis and will increase that amount within the next few months...so yes I feel real goos

Posted in Miscellaneous | 2 Comments »

2 Responses to “Blogging has helped”

miclason Says:
August 10th, 2006 at 02:03 pm 1155218591
1155218591

I agree! it does help a lot!...gives you so many insights on your spending/ saving habits...

Other people's blogs are also invaluable, as they are so educational and inspirational...(and, it makes one feel less "alone" to see that others are going through similar processes!)
Dido Says:
August 10th, 2006 at 05:08 pm 1155229714
1155229714

great progress! Congrats!

(Note: If you were logged in, we could automatically fill in these fields for you.)

Name:	*
Email:	Will not be published.
	Subscribe: Notify me of additional comments to this entry.
URL:
Verification:	* Please spell out the number 4. [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]

Amber's Personal Finance Blog

Trying to stay away from debt

Blogging has helped

2 Responses to “Blogging has helped”

Leave a Reply