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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
(
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    [Dec 2022] => /2022/12/
    [Oct 2022] => /2022/10/
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    [Dec 2018] => /2018/12/
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    [Jul 2012] => /2012/07/
    [Jun 2012] => /2012/06/
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    [Dec 2011] => /2011/12/
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Home > Another Student Loan Payment

Another Student Loan Payment

January 30th, 2026 at 04:41 am

It's been a wild week, but I was able to make another payment, $200 on my student loan. I am very happy that I'm finally able to make some progress.

Other news, I've been super sick. It's not COVID,and I'm thankful. I have been down like four flat tires. I haven't been able to work my part time job, which sucks, health is a priority. I'm looking forward to a restful weekend.

Posted in Reaching Financial Freedom, Health | 5 Comments »

5 Responses to “Another Student Loan Payment ”

mumof2 Says:
January 30th, 2026 at 08:59 am 1769763552
1769763552

Congrats you are $200 closer to paying it off...hope you are feeling better soon...maybe take a epsom salts and baking soda bath it will help bring out the impurities in your body and make you feel better
Tabs Says:
January 30th, 2026 at 01:10 pm 1769778646
1769778646

Hope you get well soon! Here is to a very restful weekend for you.
Dido Says:
January 30th, 2026 at 02:48 pm 1769784539
1769784539

sorry you're feeling so sick and I hope you feel better soon!

Congrats on the additional loan payment!
PatientSaver Says:
January 30th, 2026 at 06:28 pm 1769797691
1769797691

Hope you feel better soon! Stay hydrated and sleep all day if you want to.
rob62521 Says:
February 5th, 2026 at 03:18 pm 1770304713
1770304713

Sorry you were under the weather. Hopefully you are feeling much, much better.

Good job at throwing another $200 for student loans!

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Amber's Personal Finance Blog

Trying to stay away from debt

Another Student Loan Payment

5 Responses to “Another Student Loan Payment ”

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