2014 Year In Review and January 1 Debt Check

I’ve been away from my blog for way too long.  I feel like I’ve entered a confessional and should be asking for penance.  Since I’m not Catholic, I’m not exactly sure how that works, so my Catholic friends can advise me.

You want to know how my 2014 ended, don’t you. I had a seriously ambitious goal of repaying $28,000 from my debt in 2014.  Since I had also borrowed $10,000 from my mom, I also had mom to contend with.  Not only did I hit my goal, I beat it by a couple hundred bucks and mom was paid in full.  You want to know how I did it.  As always, I’m an open book, so why not share? […]

fall leaves

October 1 Debt Check

I’m struggling.

Financially, no.  I’m struggling with the direction of this blog both from a perspective of where it is and where I want it to go.  Every month for the past five plus years I have filled you in on how I was doing financially.  For the past two months I have not done so because I’m beginning to become to struggle with what the “right” amount of information is to share.

It’s not that I have a problem with the process that I am going through of getting my finances to a comfortable place.  What I struggle with is maintaining some level of privacy in the age of the internet.  Now that I’m officially out there with my photo appearing on the front page of this blog more national brands and magazines are popping messages into my inbox.  The problem is that once information is out there, you cannot take it back.  In the meantime, while I struggle with where to go and what to do, I at least owe you the consistency of reporting back on what’s going on. […]

My Ring

July 1 Debt Check…And Other Stuff

I’m 14 days overdue, but with good reason. I wanted to wait a bit to share some news with you in this post instead of making a whole separate post about it later.

Let’s see.  We’re deep into July and heading towards August at full speed.  It’s been a wonderful summer so far, much like my summer last year when I was job free and enjoying life.  This year, I’m consulting and thoroughly enjoying what I’m doing and where I am.  If nothing else, this blog has been an amazing chronicle of where I have been and how life can twist, turn and evolve over the course of months and years.

Let’s good the financial details out of the way.    The debt numbers are below and they’re trending in the right direction.  I slowed down the debt repayment somewhat to increase savings.  One mistake that I see people in debt constantly make is concentrating on the debt and neglecting savings.  It is entirely possible to have two goals and accomplish them both at the same time. […]

February Debt Check

January came and went so quickly that I didn’t write my monthly summary. Big whoops, so here it is.

For those of you who are new, the entire reason why this blog exists is to chronicle my way out of debt and into freedom on a beach in Bora Bora. The second part is a lie, but if I win the lottery, you’ll know where to find me.  This blog has been running for five long years and I’ve been doing this every single month since we started. Okay, there was one month where I was going to change to doing this every other month so I didn’t do the monthly check in. That was last February. […]

2014 - Retrospective

2013 Retrospective and January Debt Check

As usual there are no resolutions for this blog, but we are going to take a look back on 2013 to review how I did with my finances.

I began 2013 owing creditors exactly $144,224.79. It wasn’t bad but it wasn’t too good either. I really didn’t have a goal number in mind to end the year with and so I plodded along just paying the overall debt down.

March 1 stuck and I was not so suddenly but very happily unemployed. While this didn’t halt the debt repayment, it did slow down considerably.vThat was fine because I had planned for it. I had a decent severance  package, an emergency fund, passive income from my rental homes and income from this blog. Combined, it was enough to make me comfortable enough to take six full months off doing what I wanted to do. […]

December 1 Debt Check In

December 1 Check In

Yes, this is late.  We’re more than half way into the month and I am just getting around to writing this.  Now, in my defense, I warned you that Christmas season on my other site would be busy – if I got lucky – and it has been.  Good for me, sucks for this site.

Sleep.  Do you get sleep? I remember sleep.  I used to get like 6 hours every night.  These days I’m down to 3 to 4 hours.  My brother and I are pretty much working around the clock.  You know that old saying, “make hay while the sun shines”? The Christmas season is like Nevada in July.  After Christmas it will be an episode of Deadliest Catch in January.  We’ll be fishing for customers in dangerous waters.

It’s all good though.  Business is going well enough for my brother to rent a small office space.  It’s amazing just how quickly you can out grow your basement.  So, for those of you on the fence about developing a side business, stop hesitating!  Get out there and exploit your talents.  Your side business might just outgrow your regular employment. […]

cubicle - Online Income

November 1 Check In

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. […]

halloween - debt

October 1 Check In

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. […]


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.

dont worry be happy

August 1 Check In

Scroll down, press play, then begin reading please.

Happy August.

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. […]

July 1 Debt Check In

July 1 Debt Check In

Hello, Summer!

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. […]

no schol - June 1 Debt Check

June 1 Debt Check In

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! […]