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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 🏡

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Sinking funds
* Fun/vacation $360.22
* Christmas club $1,340.92
* Sorority $371.48
* Gifts (e.g. birthdays, showers) $59.22
* Car maintenance/replacement $802.66
* HOA $3,687.74
* Home Mortgage $2,700.05
* Home Repairs $423.45
* Prof. Certification renewal $11.25
* Medical/HSA $988.75
Baby step 1 (EF) $15,267.78
Baby step 1b (EF) $727.67
Rollover IRA $14,007.13
401(k) $4,463.82
Roth IRA $152.58

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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

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Debt

11/1/18
Original Mortgage: $140,000.00
Mortgage financed: $119,500.00
New balance: $106,388.00

10/2022 Student Loan Consolidated $35,622.23
New Balance: $30,501.74
Interest accrual (11/16/2023) $5.74

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: $4,100

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 $6000
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

Refinancing

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Amber's Personal Finance Blog

Trying to stay away from debt

Refinancing