<< 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: 9,785,869

Home > Getting Close

Getting Close

October 29th, 2025 at 08:31 am

My current student loan balance is $20,310,94.

I was just able to pay $5210.94 on it. Of course my payment won’t hit until maybe Monday which means there will be an additional $10 or so applied to the unpaid interest balance. This annoys me.

Friday is payday so I’ll be able to drop another $200 on it. I can finally see the end to this thing. God’s will I’ll be done by February 2026

My estimated balance as of today after payments is $15,110.00

I am scheduled to get a bonus next month about $200 which I'm throwing everything at this loan

Posted in Reaching Financial Freedom, Debt | 6 Comments »

6 Responses to “Getting Close ”

Michelle Says:
October 29th, 2025 at 10:12 am 1761732753
1761732753

Congratulations, Amber. You've got this!!
Turtle Lover Says:
October 29th, 2025 at 12:19 pm 1761740379
1761740379

YAY! I'm also looking forward to the day when it is done and seeing (reading) how happy you are that it is over! So keep posting!
Tabs Says:
October 29th, 2025 at 03:10 pm 1761750607
1761750607

Haha yeah I know what you mean, I always hated paying interest on any debt, and even if it's not always the smartest move, I couldn't pay them off fast enough.

Anyways, that's a massive chunk you've paid off. Congrats, and keep it up!
mumof2 Says:
October 29th, 2025 at 03:26 pm 1761751579
1761751579

Awesome....wow will be paid off before you know it imagine how much money you will have after this...congrats on paying off a quarter of it...so proud
Lots of Ideas Says:
October 29th, 2025 at 06:57 pm 1761764232
1761764232

This is exciting news!
You are so close!
Great job!
LifeBalance Says:
October 30th, 2025 at 04:15 pm 1761840946
1761840946

Nice!!

(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

Getting Close

6 Responses to “Getting Close ”

Leave a Reply