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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 $350.45
* Christmas club $977.75
* Sorority $317.76
* Gifts (e.g. birthdays, showers) $64.88
* Car maintenance/insurance $783.70
* HOA $3674.20
* Home Mortgage $2,719.04
Monthly payment $759.74
* Home Repairs $229.69
* Prof. Certification renewal $21.25
* Medical/HSA $945.79
*Car Payment Acct $2073.32
Baby step 1 (EF) $9352.13
Baby step 1b (Reserved car payment) $1790.25
Rollover IRA $25,459.86
IRA Previous balance $19,735.90
401(k) $30,127.43
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 $37,200
Monthly Car Payment $591.28

11/1/18
Original Mortgage: $140,000.00
Mortgage financed: $119,500.00
New balance: $98,602.00

10/2022 Student Loan Consolidated Original Balance: $35,622.23
New Balance: $12,017.80
Interest accrual $2.26 as of 12/10
Daily interest rate $2.26
January 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
(
    [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/
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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/
    [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/
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    [Feb 2017] => /2017/02/
    [Jan 2017] => /2017/01/
    [Dec 2016] => /2016/12/
    [Oct 2016] => /2016/10/
    [Sep 2016] => /2016/09/
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    [Nov 2014] => /2014/11/
    [Oct 2014] => /2014/10/
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    [Jul 2014] => /2014/07/
    [Jun 2014] => /2014/06/
    [Feb 2014] => /2014/02/
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    [Oct 2013] => /2013/10/
    [Sep 2013] => /2013/09/
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    [May 2013] => /2013/05/
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    [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/
)

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Date Started: Feb 13, 2006
Entries: 2,606
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Home > Debt free again

Debt free again

April 18th, 2008 at 01:40 pm

Received m tax refund today and paid off the last cc of $580 Smile so I am debt free except for my car.Yippie!!!!!!!!!!!!!!

Posted in Uncategorized | 10 Comments »

10 Responses to “Debt free again”

Broken Arrow Says:
April 18th, 2008 at 01:51 pm 1208523087
1208523087

Well, congrats! Again!
Nic Says:
April 18th, 2008 at 01:54 pm 1208523271
1208523271

Awesome..Congrats!!!
merch Says:
April 18th, 2008 at 03:11 pm 1208527905
1208527905

Nice work.
Aleta Says:
April 18th, 2008 at 05:25 pm 1208535911
1208535911

Amber, that is just great news! Congratulations. Just getting rid of a credit card is an awesome feeling.
Koppur Says:
April 18th, 2008 at 07:32 pm 1208543553
1208543553

sweet!!!!
disneysteve Says:
April 19th, 2008 at 01:30 am 1208565045
1208565045

That's great!
JanH Says:
April 19th, 2008 at 01:37 am 1208565469
1208565469

That's awesome! Congrats!
Amber Says:
April 19th, 2008 at 03:00 am 1208570425
1208570425

Thanks every one, I know with out your words of encourgement I could not have gotten so far
lost in debt Says:
April 19th, 2008 at 09:49 am 1208594958
1208594958

Wonderful news, I hope you are celebrating your financial freedom.
Harley Says:
April 19th, 2008 at 03:20 pm 1208614848
1208614848

Awesome.

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Amber's Personal Finance Blog

Trying to stay away from debt

Debt free again

10 Responses to “Debt free again”

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