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September 1 Check In

Oh, September.

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.
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January 1 Debt Check In

January 1 Debt Check In

Now that the hoopla of beginning a new year has died down a bit, it’s time to get back to our regularly scheduled programming.  For us, that means checking to see where we are with our debt and if we made some money online in the month of December.

Incidentally, this blog was started three years ago this month, and I’ve dutifully done these debt check ins every single month since then.  I hope to continue doing that until my debt balance reaches zero.  At this rate it may be some time, but I’m committed to letting you know exactly how I’m doing. […]

October 1 Check In

October 1 Debt Check In

We’ve made it all the way to the beginning of October together. There’s not that much time until the end of the year, so if we are to make all of our financial goals for the end of the year we really have to get moving.

I haven’t accomplished nearly as much in September as I hoped that I would. There was a massive flood in the area of my rental home which delayed the whole process of finding a new tenant. But, I have good news! A new tenant was to sign a lease with the management company on Friday, September 30, so we’re in business! While he wanted to have a two year lease, I opted for a one year lease with a renewal option. I want to make sure that the new renter and I will be perfectly compatible before committing myself to a lease of that length. I do want a long-term renter though. […]

plan a debt reduction

February 1 Check In

It’s a new month and time to review how I did with my debt reduction and alternative income building.  As most of you know, I plan on firing away at one debt at a time until I have just my student loans and HELOC left to pay.

Based on the goal that I made for 2011 of saving at least $3000 in an emergency fund, I need to make and save at least $250 in extra money every month.  I made the goal of making that extra money but as you know, stuff happens and that money has been redirected.  Read on to find out how.

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January 1 Check In

This post will serve as both a review of how I did with my reducing my debts in 2010 and the beginning of my debt for 2011.  Way back on January 1, 2010 I began the year with over $90K in debt.  I ended the year with a little under $83K in debt, however that does not reflect the amounts that were added and paid off during that time.  I wasn’t as aggressive at paying down my debt as I should have, but I did am happy to have ended the year going in the right direction.

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December 1 Check

December 1 Check In

It’s the first of the month, so it’s time again to see how I’ve done with the debt reduction. After last month’s fiasco with the state emptying my bank accounts, I have kept exactly zero in my accounts and have returned to the ice ages of carrying cash and paying individual bills directly with the debtors or through my good friend, the money order. Hey, it’s not sexy, but it works and I don’t have to worry about having my money pulled from under me. I’ve been cashing my physical paychecks (Lord, it’s been ages since I’ve seen one of these things) at the bank that my employer issues the checks from, and I have a credit card with that bank, so it costs me nothing to cash the checks. On to the numbers! […]

October 1 Check In

October 1 Check In

I finally made it through the end of October and I think it’s probably been the most difficult one yet. But we’ll get to that soon enough. Let’s see how I did in September.

September 1, 2010
Student Loan #1 $695.31 @2.47%
Credit Card #1 $938.73 @13.99%
Credit Card #2 $0 @14.24%
Credit Card #3 $3,221.59 @0%
HELOC $41,974.38 @3.125%
Student Loan #2 $37,678.40 @3.3-7.5%
The bed $699.00 @0%
Personal Loan $0
Car Note $0
Total: $85,207.41

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