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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 🏡

===================
Sinking funds
* Fun/vacation $40.24
* Christmas club $525.91
* Sorority $490.44
* Gifts (e.g. birthdays, showers) $103.27
* Car maintenance/insurance $247.11
* HOA $3824.20
* Home Mortgage $2,667.11
* Home Repairs $879.50
* Prof. Certification renewal $11.25
* Medical/HSA $621.09
Baby step 1 (EF) $9,133.11
Baby step 1b (EF) $4605.09
Rollover IRA $18,705.22
Previous balance $17,052.83
401(k) $16,489.62
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

11/1/18
Original Mortgage: $140,000.00
Mortgage financed: $119,500.00
New balance: $103,000

10/2022 Student Loan Consolidated Original Balance: $35,622.23
New Balance: $25,045.24
Interest accrual (10/31/24) $14.13

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: $8,890.00

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 $4,101.18
New balance $0

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

CC6: Macy's store starting balance $2,567.56
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 $920
New balance $0

CC1: Citi 1 $0

$20 Challenge

June 28th, 2014 at 03:19 am

Received $20 cash gift from my brother and now that I'm back working I'm ready to get back to adding to my challenge, without it when I loss my job I would have been out of luck. So here we go

$20 Challenge
YTD $20

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Amber's Personal Finance Blog

Trying to stay away from debt

$20 Challenge

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