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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/
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    [Apr 2019] => /2019/04/
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    [Feb 2019] => /2019/02/
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    [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/
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    [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/
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    [Jul 2008] => /2008/07/
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    [Mar 2008] => /2008/03/
    [Feb 2008] => /2008/02/
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    [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/
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    [Jun 2006] => /2006/06/
    [May 2006] => /2006/05/
    [Apr 2006] => /2006/04/
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)

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Date Started: Feb 13, 2006
Entries: 2,620
Comments: 7,868
Total Visits: 9,788,627

Home > Car troubles

Car troubles

May 9th, 2007 at 12:39 am

As you all know i drive a very old car and just paid $400 to get my a/c fix; well guess what it's out again Frown Now I am taking it to the shop to see what's what

Posted in Auto | 4 Comments »

4 Responses to “Car troubles”

HouseHopeful Says:
May 9th, 2007 at 01:17 am 1178673473
1178673473

I'm so sorry. I hope its something simple to fix! Good luck.
Amber Says:
May 10th, 2007 at 12:03 am 1178755428
1178755428

Thanks and it was
ryan Says:
June 14th, 2007 at 12:56 am 1181782597
1181782597

I guess it's time for a new car, don't you think so? My old truck was bugging me for months now, so i decided to buy a used truck...That made sense, saving my money from expensive repairs. Although i have to buy new
Text is nissan tonneau cover and Link is http://www.shopnisparts.com/nissan-tonneau-cover/
nissan tonneau cover, but it's all worth it..
Amber Says:
June 15th, 2007 at 09:39 pm 1181943586
1181943586

Yeah I am saving right now for a car

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Amber's Personal Finance Blog

Trying to stay away from debt

Car troubles

4 Responses to “Car troubles”

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