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Viewing the 'Debt' Category: Amber's Personal Finance Blog
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Rolled Coins

January 19th, 2020 at 12:59 pm

Rolled my coins and I had a total of $29 dollars, not bad.

I can never understand why people take their coins to a coin machine to count and pay a fee. It took me just a little time to do so. Even before I was living a frugal life style, I never did this. To each it’s own.

The $29, went towards the remaining credit card debt. 😀

Friday is payday and I’ll be adding an extra $157 dollars to the credit card. I think by doing that, I’d pay an extra $800 this month towards it. I can’t wait until Friday so that I can take care of it, and calculate my MTM total.

My top priorities for the first quarter of the year, boosting my EF, paying down/off the CC and paying extra on my mortgage. The extra on the mortgage is a must for me, I feel disappointed/depressed for some odd reason when I don’t.

Once the CC is gone, I can go full throttle on the student loans, averaging about $600-$800 extra a month on it. I can’t wait.

Birthday Shenanigans

January 18th, 2020 at 08:42 pm

Thank you all for the birthday wishes, I greatly appreciate it.

Yesterday was a very low key birthday celebration. I took $50 out of my slush account and bought two pairs of earrings, my last pair broke.

Then the SO insisted on taking me out for breakfast 🥞 so we did that. Next after breakfast I headed over to the used appliance store, in search of a dryer. Well I found one for $180. I was a little nervous but decided to purchase. As I was heading to over to pay, the SO decided to purchase as a birthday gift. No complaint from me. Saved me $180. I have an account for home repairs and was thinking I should take the$180 and add to CC but it’s best to just leave it.

I pretty much stayed home yesterday, that was my birthday celebration. SO gave me $20 for dinner, I put the money in my cash envelope and ate what I had.

I got a quote on the hurricane shutters yesterday, $3,000. I was actually expecting less. This is the guy who did a friend’s home, at half the price. I’ll call around and get at least three more quotes, and set up a sinking fund for this as well.

Lastly in financial news, the CC was knocked down to $5,500, I’m hoping to have this card paid off by April/May.

My electric bill decreased by about $20 but the water went up $10 🙄🤦🏽‍♀️. I had a running toilet 🚽 that I believe caused the bill to increase; however, I finally got it fixed.

Birthday Blues

January 16th, 2020 at 11:13 pm

Well it’s been a pretty good week. Tomorrow I turn 46, wow.

I feel somewhat down because I feel like I haven’t gotten myself together financially; however, I’ve made some progress.

Rather than focusing on the negative, I’ll focus on the positive.

Today, I paid an extra $453.78 on CC10 knocking the balance down to $5,500. Tomorrow’s billing cycle ends, so I’ll be hit with interest 🙄🤦🏽‍♀️. I did look at transferring the balance to a zero interest card but the fees to transfer wasn’t worth it. I’ll have the card paid off in a about four to five months.

I also added $50 to the EF, $50 to the IRA account.

This month I have not eaten out, 16 days. Wow. I almost gave in yesterday, it was the sorority’s Founders’ Day and I really wanted to hang out with my girls but paying the credit card 💳 debt was the best decision. I’ve saved a ton by not eating out.

Tomorrow I’ll head to Sweet Tomatoes for my free birthday dinner.

Lastly, I decided to get the quote on the hurricane shutters before the season rolls around. It’s so difficult for me to find some one to come and put the plywood up. I wish I could find a decent handyman. I’ll apply for the city grant for reimbursement

Year is Off to a Great Start

January 11th, 2020 at 12:43 pm

So much has happened this year, on a positive note, and I pray it continues.

First, I can’t believe it but I’ve had 10 days in that I have not dined our, not even a soda or chips. It’s been tempting but I’m determined not to eat out this month.

Next I dropped an extra $200 on the credit card and an extra $100 on the mortgage.

I’ve decided it’s no rush and to hold off on the dryer, not to mention my toilet is running, so that’s a priority. Thankfully my uncle has plumbing skills so I’ll have him to take a look at it.

Then there is the big news, my brother had to drop his lawsuit. I wanted to go out and celebrate, not to mention cry, when I got the news. I’m still on this I can’t believe it, but I knew it, kind of a high.

Apparently after my attorney laid into his with the facts and ensured his attorney we were prepared to go after him, the attorney, if he moved forward with his frivolous lawsuit, they had a change of heart.

The sad thing his; I honestly think his attorney knew all along but because my brother is greedy, and he saw a money pit, he moved forward. To go through this process, I’m sure it cost my brother at least $10k

I’m due a refund, but will use the money to finalize one last item with my dad’s estate and then get whatever the difference is back. I’m estimating about $1500.

I’m just so thankful that this is over.



CC10 Driving Me Nuts

December 21st, 2019 at 10:40 pm

CC10 Is getting on my last nerves. I’m trying to figure out how to pay it off by December 31st.
I can take $5,000 out of the EF but I’d still owe $1200 and the EF would drop to $600 🙄🤦🏽‍♀️.

I’d really wanted this card gone by the end of the year and then I got hit with a legal bill due to my brother who thinks my dad was a millionaire.

With the side gig, I could have it paid off in about 5 months, paying about a $1000 a month. Then tackling the student loans in June.

I’m just so confused.

Student Loan Saga

November 24th, 2019 at 09:33 pm

Just adjusted my budget and I’ll be able to drop $700 on CC10. I’m so excited.
I think this card will be paid off by March and I can finally, start tackling my student loans.

I just want to cry, I was feeling like I’ll never be able to start tackling the loans. If I hadn’t gotten hit with the legal bill earlier this year, this card would have been gone in June. I know I can’t/shouldn’t beat my self up about it but I just can’t help thinking about the what if’s.

I’m estimating it will take me 6-7 years to pay off the student loans, that’s $10k a month. If I can keep the side hustle for at least two years, it will take 4-5 years.

Fingers crossed that all go as planned

Student Loan Saga

November 24th, 2019 at 09:33 pm

Just adjusted my budget and I’ll be able to drop $700 on CC10. I’m so excited.
I think this card will be paid off by March and I can finally, start tackling my student loans.

I just want to cry, I was feeling like I’ll never be able to start tackling the loans. If I hadn’t gotten hit with the legal bill earlier this year, this card would have been gone in June. I know I can’t/shouldn’t beat my self up about it but I just can’t help thinking about the what if’s.

I’m estimating it will take me 6-7 years to pay off the student loans, that’s $10k a month. If I can keep the side hustle for at least two years, it will take 4-5 years.

Fingers crossed that all go as planned

Friday and It’s Pay Day

November 15th, 2019 at 10:19 am

Today is pay day, and I can’t wait to Stuff my cash envelopes.

I’ve created the budget for this pay period; however, my cash envelopes are pretty healthy so I’m sure I’ll be returning some cash back to the bank and adding the extra to the EF. I’m staying focus. Refunding my EF, tackling the CC the student loans, in that order.

I woke up at 3 am, checked my accounts and the direct deposits hit. I paid the following
$951.10 mortgage
$200 extra on CC10 💳
$50 plot
$195.51 tithes

I saved a total of $344, this include the EF, sinking funds and IRA. I was able to bump my IRA, doubling, my contribution. I decided anytime I get a raise or bonus I’m adding to the IRA.

I checked my electric bill, today is the last day in the billing cycle, my current usage is $69, by the end of the day, I’m anticipating my bill should be about $72. I’m so excited. My bill has never been this low. I’ve managed to knock my electric bill down by more than half since the SO has been gone.

Friday Nights Now = Budget Nights

October 25th, 2019 at 09:47 am

I absolutely hate interest. I paid over $500 this last billing cycle on CC10, only to be charged another $100+ in interest. All the more reason for me to get this credit card paid off.

It’s a process and I know I must be patient but I can’t wait for this sucker to be gone, so that I can start tackling my student loans. I’m thinking by April 2020, this card 💳 should be paid off.

I’m no longer gazelle intense for a number of reasons, SO is no longer here so I don’t get the extra $800+ a month. I still add to my EF because I think it’s crazy to only have $1,000 saved, and lastly, time is not on my side, I’m late to the party 🎉 so I continue to add to my 401(k). Yes by doing these things, it slows the process, but at least I’m comfortable, and I haven’t stopped paying down debt and saving. What I’ve accomplished so far, I’m happy with. The ability to go to events, stores etc and not spend anything is a huge accomplishment for me.

I honestly think, if I continue to budget, live a frugal lifestyle, I’ll be done with all debt, including my house 🏡 in seven years.

I can’t wait to get home this evening, to balance my cash envelopes, and review my budget. Lol, who would have thought my Friday nights of hanging out with friends, buying new outfits to do so, and spending tons of money would have turned into review the budget nights? I absolutely love it and look forward to it.

Numbers Looking Pretty Good

October 19th, 2019 at 04:49 pm

Balanced my cash envelopes, and I did pretty good. I came in under budget for the most part

Category Budgeted Left
Groceries $80 $30
Auto $80 $50
Personal $130 $0
Fun $30 $30
Household $30 $27

As previously reported in another post, things are looking great. The electric bill was reduced by almost $60, the water bill came in at $45.68, this is the same as last month but down by $20 over all.

I’m going to cancel Netflix, I realize I don’t use it and that’s $14 I can throw at debt.

Savings is up, I’m about $1200 away from meeting my short term EF goal of 3 months worth of expenses saved. I can’t wait to hit the six month mark, then I’ll feel comfortable and can start throwing even more at debt.

Lastly, I received a notice that my taxes for the town in that I live in, has dropped

I’m Over CC9

March 25th, 2019 at 12:49 am

Credit card 9 💳 is really getting on my nerves. I want this sucker paid off. I’m contemplating taking the money saved for any home repairs and adding it to it. I have an EF so if anything happens I can use that. One minute I’m stoked about doing it, the next I’m nervous as hell. 😬

I finally completed my taxes, and hit the submit button. I’m looking at about $633 return. This will be adding to the CC.

The budget meeting with the SO didn’t happen, I was a little disappointed but hey that’s on him. I’m still trucking along on my financial peace journey without him. Something drastic has to happen for him to change. I told him we will continue to live as roommates, splitting everything.

After reviewing and crunching numbers, it looks like I should have both CCs paid off by early September (CC9 should be gone by end of April early May) and from that point on it’s the infamous student loans 👩🏾‍🎓. I’m really hoping to pick up a second job by then.

Lastly, though I follow Dave Ramsey, I never read his book, “The Total Money Makeover.” 📖. I have listened via audio 🔊, but you know how that goes, your cleaning 🧹, doing other things so you’re more likely to miss something. I’m excited to dive in. Last month I finished, Rachel Cruze’s, “Love Your Life, Not Theirs.”
I’m also read a book by Zig Ziegler, that I checked out online at my local library. What’s great about this is, in the middle of the night 🌙 when I can’t sleep 💤, I can read.

Extra on CC9

February 15th, 2019 at 02:09 am

Just paid an extra $164 on CC9 and it feels great. This month I’m slated to have added an $800 extra to that card. Balance is now $4,824.67 with the payment made today. I’m really hoping to get below the $4,000 mark by the end of the month.

I’ll be completing my taxes this weekend, if I get anything I’ll add it to the snowball. At the rate I’m going I should be able to knock CC9 out by end of May. It’s not with in the first quarter buy hey five months paying off 6k isn’t bad.