Category Archives: Debt Tracker
This post is late. I know, I know. You see, something has changed in the past few weeks. I have this JOB thing.
Yeah I’ve been gainfully unemployed for a glorious six full months. I figured that that was the most that I could take off without killing my career completely. So, I went on a couple of interviews and turned down a couple of job offers. I decided to accept a consulting gig that should only last for three months. I just am not mentally ready to go back to work full-time for someone else.
I’ve been in the office for three weeks now. Three whole weeks. It was a serious adjustment. I came home after the first day wondering how I was going to make it through the next few months. Seriously though, I can make it through three months…I hope. Three months. My client is already hinting at extending. I don’t know that I will.
It’s October and there’s a lot going on in the world. Unless you’ve been under a rock you’ll know that our elected leaders don’t know how to play together in the sandbox so our government has officially shut down. What does this mean?
Our federal employees are furloughed so they’re not getting paid every day this government is closed. Our national parks and museums are closed. I tried calling the IRS. That wasn’t happening either. Oh, and parts of this thing commonly called Obamacare (which apparently many people don’t know is the Affordable Care Act) went into effect. You should be able to find healthcare exchanges in your local state.
Back to school for your kids and back to work for me. I’ve been off work for a nice six months. It’s been glorious. I spent the entire summer going to bed between 4 and 6 every morning and working like a crazy woman other times. I even took time off to do STUFF that I would never have done otherwise. It was a once in a lifetime opportunity that I will miss.
Scroll down, press play, then begin reading please.
I love Summer, don’t you? By the time we hit the middle of August it occurs to me that Summer is quickly running away not be be seen for another year. Usually, I’m too busy to take the time to really enjoy the summer. Heck, I haven’t done that since I was about 14. This year, some 20 years later, I’ve thoroughly been enjoying my summer off.
I say that I’ve had my summer off, but I’ve been working for myself, building a new business. I know that I keep mentioning it every month, but it’s been a big part of my time off. In the meanwhile, I’m still paying down my debt. Let’s get right to it.
I have always loved summer more than any other time of the year. There is an energy about Summer that is completely unlike any other time of the year. Yes, the other seasons are nice, but Summer comes with this extra air of freedom that I just never feel any other time of the year.
Freedom; a special word. That’s how I’ve felt these past months out of work. I’ve felt incredibly free to pursue a few things that I’ve wanted to do. We wait so long during our entire lives until the decade when we can finally do what we would like to do. Unfortunately, for most of us, that comes at the very end of our lives when we might have the desire, but less energy to do what we would like.
Here we are in June praying for summer weather. It’s way too hot and wet outside for my tastes.
I do this whole debt review thing every single month. With the exception of one month I’ve done so for four years. That’s four years of putting everything all out there for the world to see. Have you ever had that nightmare where you suddenly find yourself naked in a very public place? That’s pretty much what doing this feels like every month.
You would think that I would be desensitized to this whole process by now, but the truth is that I’m not. Every single month when I sit to write these posts I get anxious and apprehensive about what to say and how you will react. Many of my peers who started their blogs tracking their debts have moved away from doing this because it can feel pretty dehumanizing to have perfect strangers comment on the most personal aspects of your life. But, I signed up for this right? There’s no use in backing down from it now!
It’s the beginning of the month and time to review my finances again. Just a reminder, the entire reason why this blog exists is to chronicle my debt journey. Since the very first post here, I have shared an embarrassing amount of personal financial information about myself on this blog. It’s not because I’m a glutton for punishment, but because I believe in teaching through real examples. I want to show that is it entirely possible to pay off a six-figure debt without filing bankruptcy, all while making a five figure wage.
I’m still gloriously unemployed, but I’ve been making my time as productive as possible when possible. I was sidelined for half of April since I was pretty sick. I’m still recovering, but at least now I’m out and about and not laying in bed in a haze of medication. Sweet, sweet, medication.
In March I said that I wouldn’t do this every month, but, what the heck!
I have been doing debt reports every month since I first established this blog. If this is your first time seeing a debt check-in on this blog, the entire reason why this blog exists is to chronicle my debt journey and share some of what I’ve learned with anyone who happens to be reading.
This has been an essential part of my debt reduction journey because I an not on a strict, paper-written budget, but this helps to keep me accountable. Being able to look backwards and see where I’ve been and what I’ve done over the past month has helped to accelerate my debt repayment by light years. No longer am I flippant about my debt and the amount of time that it will take to repay everything.
It’s been forever since I’ve done a debt check-in. Okay, maybe not forever, but two months. I’ve decided that I will show my debt progress every OTHER month instead of every month. This way, you still get to see what I’m doing as I strive to reduce my debt and I don’t feel so much PRESSURE to get everything right every single month. After all, I AM human…most days.
First thing’s first. I have to tell you guys that as of Friday, I no longer have a job. Keep that in mind as we go through everything that I have done for the past two months. I’ll speak more about my jobless state on Thursday since I think that you might find this situation helpful if you ever find yourself unemployed. But first, the debt.