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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/
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    [Nov 2025] => /2025/11/
    [Oct 2025] => /2025/10/
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    [Aug 2025] => /2025/08/
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    [Aug 2023] => /2023/08/
    [Jul 2023] => /2023/07/
    [May 2023] => /2023/05/
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    [Dec 2022] => /2022/12/
    [Oct 2022] => /2022/10/
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    [Aug 2022] => /2022/08/
    [Jul 2022] => /2022/07/
    [Jun 2022] => /2022/06/
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    [Jan 2022] => /2022/01/
    [Dec 2021] => /2021/12/
    [Nov 2021] => /2021/11/
    [Oct 2021] => /2021/10/
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    [Dec 2020] => /2020/12/
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    [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/
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    [Feb 2018] => /2018/02/
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    [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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    [Dec 2016] => /2016/12/
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    [Aug 2015] => /2015/08/
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    [Nov 2014] => /2014/11/
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    [Oct 2013] => /2013/10/
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    [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/
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    [Dec 2011] => /2011/12/
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    [Aug 2010] => /2010/08/
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    [Dec 2009] => /2009/12/
    [Nov 2009] => /2009/11/
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    [Oct 2008] => /2008/10/
    [Sep 2008] => /2008/09/
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    [Jul 2008] => /2008/07/
    [Jun 2008] => /2008/06/
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    [Dec 2007] => /2007/12/
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)

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Date Started: Feb 13, 2006
Entries: 2,620
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Home > Trucking Along

Trucking Along

December 27th, 2025 at 06:26 am

This weekend I plan on getting myself back on track. I did a really bad job at tracking my spending and income this year. First time in a long time that I was not on tope of a lot of things.

A few things I've done tonight

- Jotted down when things are due

- Cleaned out emails ( work in progress)

- Unsubscribe to junk emails (e.g. retailers)

- Cleaned my bedroom and master bath

- Working with ChatGPT to create the perfect budget, well at least that's what I am thinking.

Posted in Reaching Financial Freedom, Debt, Budget | 2 Comments »

2 Responses to “Trucking Along ”

Tabs Says:
December 27th, 2025 at 06:39 am 1766817582
1766817582

Huh, how exactly are you accessing ChatGPT? Are you using any front end clients? And how has it been so far in helping you set up your budget?
Amber Says:
December 27th, 2025 at 01:00 pm 1766840454
1766840454

I’m not using the frontend development features per se, but I do use the app, I just type in what I want the workbook to do

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Amber's Personal Finance Blog

Trying to stay away from debt

Trucking Along

2 Responses to “Trucking Along ”

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