Total debt load...

Thursday, July 24, 2014

Where does the time go???


It’s hard for me to believe we are almost at the end of July and heading in to August.  So much going on and I’m really enjoying the summer sun.  I have 2 weddings to attend in August and thankfully I only have to buy a pair of shoes to wear for one.  The dresses I bought for each at a thrift store and I couldn’t be happier with either of them.  One I already had a pair of shoes for as well, so I only need to find one pair of shoes.  I also have a weekend out of town going to visit friends and the boyfriend’s birthday all in August.  Ooh, and my parent’s anniversary, it’s a big one this year too.  As I said, SO much going on!  Thankfully none of these are things that should be costing much money and I have had a little overtime lately, so I’ve been able to pay some extra on my car.  So far in July, I’ve made payments totaling $1052 and will hopefully be able to fit another $48 payment in there in order to round it out to an even $1100.  I’ve been taking advantage of the nice weather and spending a great deal of time at the pool at my condo, as well as working out in the gym.  Soon it’s going to be football season, which is just about my favorite time of year.  I have season tickets to a local college and love to go to the games.  I’ve even started a little of my holiday shopping, picking up things as I see them on sale and putting them away.  I’ve made good progress on my list and have come up with good ideas of what to look for, for other people I’ve not yet bought for. 

 

Lately I seem to be getting a lot of survey opportunities from Pinecone Research.  If you’ve never done surveys with them, check them out here.  I’ve never had a survey that I haven’t qualified for, I always get to do the survey and they pay the very next day!  You can let your point build to save up or you can cash out after each one and get paid $3 for each survey via PayPal.  I’ve also tested many products for them and been given ample supply to last me more than a day or so.  So far this year I’ve earned $ 937.40 doing online surveys.  Not too shabby!  I could be using this money to put towards my debt reduction or my annual loan payment to my parents, but instead I use it for me, just for fun!  Either shopping for some new clothes or going out to a movie, dinner or what have you, it’s my entertainment money.  I have several other survey sites on the right hand side of my blog and I’ve done pretty well with almost all of them.  Give ‘em a try, nothing ventured, nothing gained! 

 

Current debt:   $225,416.83 (going in the right direction, just wish it were going faster.) 

Tuesday, July 1, 2014

1/2 the year is gone...

Where does the time go?  It's hard to believe we are halfway through 2014 and on the way to 2015.  I've made some really great progress in so many areas of my financial life and in my personal life so far this year. I'm excited to see what happens in the 2nd half of 2014, so far it's been one of my best years in a long, long time.  I wake up each morning happy with my life and look forward to seeing where it takes me going forward.  I've met a great guy and we've been together since almost the start of the year, I've made good progress in my debt reduction, could be better, but it's headed in the right direction.  And I've continued putting money away for my retirement, even finally starting to contribute again to my Roth IRA, it's been several years since I've been able to do that, so that feels really great!  Lately I've been enjoying a lot of vacation time, most spent at home and I must say, I've really enjoyed it.  Makes me think planning for retirement is EXTREMELY important and something I look forward to enjoying. 

2nd half of 2014

It's so hard for me to believe that we've hit the halfway point of the year and are on the downhill side of 2014.  Seems like it was just Christmas and New Years.  Sheesh!  Where does the time go?  I'm feeling pretty good about where I stand with the first half of the year, but I'd be happier with greater debt reduction, but don't I always feel this way?  I'm excited to see the value of my home increasing and I'm within reach of treading water, no longer drowning in what I owe v. what it's worth.  YAY!  I'm working on getting the car loan down as quick as possible too and am working diligently to keep my expenses down and my income up.  All overtime was shut down at my work, but I still managed to get a little in here and there.  It's not much, but I've always tried not to live on  my paycheck with overtime and use that windfall towards debt reduction.  Since it's stopped, debt reduction has slowed, but the little bit I've had lately is going straight to paying that car note down.  Slowly but surely getting there.  I've also been little Suzy Homemaker lately cooking from scratch and doing things myself that in the past I've paid people to do.  Silly really!  All in all, it seems to be paying off, which is exactly what I'm doing to my debt balance!  Woohoo!

Midway point in the year!!

Current debt balance:  $226,404.00  (long way to get it under $200,000, but looking better all the time!) 

Wednesday, June 11, 2014

$5,529.25 paid off so far...

in 2014.  This is less than I was hoping for, but I guess it could be worse.  I've managed to maintain a zero balance on my credit card and have paid an average of $921.54/month, but oh how I wish that was at least $1,000/month.  I guess I have something to strive for the second half of this year.  Of course, this could still go down a bit by the end of the month bringing that average up.  How are you all doing on your debt reduction? 


Debt balance:  $226,787.62  (really hoping this can be under $220K by 1/1/15)

Thursday, May 29, 2014

Just a little rant.....

Ever have one of those days when you are so frustrated with the whole thing and just want to give up?  Yep, me too. In fact, I am having one of those months.  I feel like I'm constantly spinning my wheels, 1 step forward, 1 step back, which I guess is better than 1 step forward, 2 steps back, but still.  Will this debt monster ever be gone?  I've been taking some vacation time lately, just sticking around home and I must say, I've loved the time off.  I can't imagine how wonderful being retired someday will be.  Having this time off has reminded me that I must continue to save for that lovely occasion and with discipline, I will get there.  Ugh!  Just doesn't seem like it at the moment.  I'm so upside down in my condo, like most everyone else, but I just can't let myself be one of those people that walks away from the responsibility of it.  Sometimes I wish I could.  I feel like I never have enough money for any extras and I know it could be worse, but it doesn't feel like it at the moment.  I guess I'm just having a little pity party for one right now.  That's all...disregard this rant and I'll try to post something more positive next time.  Thanks! 


Current debt:  $227,337.05  (seems like this is SO slowly going down!) 

Thursday, May 8, 2014

Zippity doo dah...

Payday is tomorrow and I still have $50 in my checking account.  I certainly did not think that would happen.   I thought for sure I'd been down to the bare bones, few pennies left in the checking account by today.  I've figured out all of my bills to be paid with this check and I'm happy to report that there is still a hefty amount left in the account until the next payday.  Yay!  I'd love to make additional payments on some things, but I don't want to jump the gun and end up scraping by for the next couple weeks. 


Unfortunately not a lot will change with the total debt reduction because most of these bills are just my basic day to days, but at least they are all paid and I have some mad money left. Knowing me though, it'll drive me nuts not to pay something to debt, so I'll probably end up doing that before the next payday. 


I have a couple of vacation days coming up with not much really planned.  I'm looking forward to taking it easy for a couple days and seeing what pops up.  I do have a few plans, nothing major, but one I'm really looking forward to and dreading at the same time is meeting with my financial planner.  I have a love/hate relationship with this.  I love the idea of having finances to plan with, but am disappointed that I don't have them.  I'm getting better though at not overspending and making frivolous spending decisions.  Baby steps, baby steps.  As far as finances go, I'm diligently putting away the full match each year in to my 403(b) plan from work and I have a small pension coming from a previous job.  It's been years since I've been able to contribute to my Roth and I think it's time that changed.  I'm going to talk to him tomorrow about making this a bill to myself each month and see what happens with that.  I keep saying I'll do it when my debt is paid off...well news flash, that never seems to happen.  This time, I'm going to make it a bill I pay and force myself to do it.  The nice thing is, IF I really needed that money in my Roth, I could take it out at any time as long as I don't touch any of the interest.  It's my intention not to touch any of this money until retirement though and so far I've not touched any of my retirement money and I hope to keep it that way. 


Other than that, not too much going on here.  I found out that both my mortgage payment and my insurance payment are each going to be dropping by about $11/month, so I will reallocate that money to my car loan.  thankfully I have no credit card debt and the only other debt is the loan from my parents who won't take more than 1 payment/year and then my mortgage.  While the interest is slightly higher on my mortgage than it is on my car loan, the car loan will be paid off much sooner, so that's where any and all extra money is going to currently go. 


Hope you're all enjoying the May flowers after all the April rain. 


Current debt total:  $227,478.73  (slowly dropping!)

Tuesday, April 29, 2014

Bills are all paid, but there's not much left...

in the checking account until the next payday on May 9th.  Oh well, at least I have plenty of food and the gas tank is full.  Shouldn't have too many expenses between now and then.  I'm actually looking forward to seeing what my bills look like for next month.  Several of them should be going down.  My insurance premium and my mortgage payment should have fairly significant reductions.  Woohoo!  And I have some extra money coming in as well.  I love it when that happens.  I was first thinking that I'd put it toward my car loan, but I think I will actually put this extra money in my savings for now, I need to bulk that back up after making my loan payment to my parents.  I have items selling on eBay right now as well so that should help beef up the savings account as well.  Not too much else going on around here, finally getting some nice weather and getting out and enjoying that.  Hope all is well in your world...


Current debt:  $227,772.32 (hasn't budged since the last post!) 


Monday, April 14, 2014

Annual loan payment made...

Yay!  I've made my 7th of 10 annual loan payments to my parents.  Woohoo!  Only 3 more payments left.  While it's hard to take that money out of my savings each April to make my loan payment, it feels so good to see the balance to them drastically reduce.  I've set up my direct deposit from work to put this money away throughout the year so that I can always have the money there when the payment is due, but it'll be so nice in 3 more years to not have to deplete the savings to make the payment.  I've also recently sold several items on eBay and have made a fair amount, not to mention cleaning out clutter.  Love that feeling! 

Other than that, not too much going on around here, just enjoying the nicer weather we are starting to have.  It's great to finally be able to turn the heat down and know I'm saving money there too.  I hope you're all having a fabulous spring and enjoying the weather. 

Current debt:  $227.772.32  (YAY!  Well under $230K!!) 

Sunday, March 30, 2014

1st quarter of 2014 is almost complete...

WOW!  Where has the first quarter of the year gone?  Time certainly does fly! And it goes quicker and quicker as the years go by.  So far this year I've managed to get my savings built up to with the amount needed to make my annual loan payment to my parents at the end of April.  YAY!  And it's earlier than I thought I'd have it.  I'm working on getting the savings account built up with a cushion and then getting back to plowing through the existing debt.  For the month of April, I am putting myself on a spending hiatus for anything unnecessary and using up things I have around here prior to buying more.  I currently have a credit card balance of about $500 that I acquired by spending unnecessarily and I'm going to ban myself from doing that for the month of April.   Should be an interesting month, it'll be great to see how it goes.  I've sold a few things I had around the house that I didn't need or want and I feel good about clearing stuff out and making some money on these things.  I know there is a lot more that I can list on eBay and sell, I just need to get motivated to do it. 

I've been in a relationship with a guy I met through Match.com for about 3 months now and things are going SO well.  I really had given up hope of meeting someone and this guy has totally proven me wrong, there are some great ones still out there. He has custody of his 2 teenage kids and so we've not been able to spend much time together other than weekends until now, but in a couple weeks they will be going to spend their spring break with their mom and we're looking forward to spending a lot of time together during that time.  We seem to be on the same page in regards to religion, finances and politics and we have similar sense of humors and really enjoy our time together.  I think we've both been surprised by how great a match we seem to be and how well things are going.  It's fun and exciting to see where this goes. 

That's about all that I have to report for now. I hope you're all having a great start to spring.  I know I am. :) 

Current debt:  $230,352.66  (looking forward to this dropping a fair amount next month with my loan payment to my parents.) 

Friday, March 14, 2014

That was a long 2 weeks....

from the last payday until today, but I made it.  I did have to pull out the credit card a couple of times for small expenses, but all in all, not too bad.  I didn't have to buy groceries, I had plenty on hand to get me through.  It's a good feeling to know that when push comes to shove, I can make it through on very little cash if need be.  In fact, my pantry hardly has a dent in it.  I'm sure I could go for quite awhile still without having to shop other than for perishables and even then, I have a lot of that in my freezer, so I could get by, it might just get a little boring with meals.  Weighing it out though, I think I'd prefer boring meals to putting myself further in debt.  Anyway, not too much else going on here, just wanted to check in.


Current debt:  $230,390.56 (this is SO CLOSE to being under $230K!!)