So where are we today? Much has happened. I got married. I am pregnant with my third child and we are looking for a new home. It's an excellent time to capture a financial snap shot. While the overall number is lower, I should be further ahead than I am. Let's take a look.
House $140,879.63
Home Equity $ 33,181.84
Minivan $ 6,376.48
Mastercard- World $ 13,413.32
Mastercard - Platinum $ 6,770.62
Barclay $ 3,593.94
Discover $ 11,151.12
Total $215,366.95 Subtract mortgage $74,487.32
The total amount I have paid off so far is $49,046.84. This number is not entirely accurate. Some old bills were paid off, but I added some new ones along the way. I am simply using the grand totals to figure the number. Total consumer debt paid off is $39,298.51.
Tuesday, February 12, 2013
Wednesday, August 18, 2010
The truth . . .
House $145,077.40
Home Equity $ 39,574.49
Minivan $ 14,911.78
Honda $10,715.86
Motorcycle $2,477.18
Mastercard $ 11,314.68
Mastercard $ 3,090.46
Unsecured Loan $ $1,853.08
Discover $ 7,209.64
Total $236,224.57 Subtract mortgage 91,147.17
Home Equity $ 39,574.49
Minivan $ 14,911.78
Honda $10,715.86
Motorcycle $2,477.18
Mastercard $ 11,314.68
Mastercard $ 3,090.46
Unsecured Loan $ $1,853.08
Discover $ 7,209.64
Total $236,224.57 Subtract mortgage 91,147.17
Friday, February 5, 2010
2010, New Year, New Update
House $146,746.02
Home Equity $ 40,633.37
Minivan $ 16,675.53
Mastercard $ 11,263.59
Mastercard $ 3,093.86
Unsecured Loan $ $3,093.86
Future Trust Credit Card $ 6,299.20
Grand total of debt is $228,807.07. Subtract the mortgage and the new total is $82,061.05. Total amount of debt paid since the start of this journey is $35,606.07. I had expected to pay more by now, but it is still going well. Just need to buckle down.
Home Equity $ 40,633.37
Minivan $ 16,675.53
Mastercard $ 11,263.59
Mastercard $ 3,093.86
Unsecured Loan $ $3,093.86
Future Trust Credit Card $ 6,299.20
Grand total of debt is $228,807.07. Subtract the mortgage and the new total is $82,061.05. Total amount of debt paid since the start of this journey is $35,606.07. I had expected to pay more by now, but it is still going well. Just need to buckle down.
Wednesday, October 21, 2009
One Year Update
House $147,768.08
Home Equity $ 41,488.29
Minivan $ 17,309.70
Mastercard $ 11,304.78
Mastercard $ 3,051.32
Unsecured Loan $ $4,733.89
Wells Fargo Loan $ 6,424.48
Wells Fargo Credit Card $ 2,879.66
Future Trust Credit Card $ 7,864.36
One crucial change that was made and needed to completely stop the use of credit cards was changing my straight cash card into a debit/credit card. Now I can still use the internet to buy things online and have the money come straight out of my account. Nothing has been charged since this change was made, approximately 1-2 months ago.
Grand total is now $242,824.56. Subtract the primary mortgage and we have $95,056.48 I have now paid off $21,589.23 in debt. Excluding the mortgage, I now have under $100,000 left to pay in debt. Sounds terrible on paper, but every milestone counts!
Home Equity $ 41,488.29
Minivan $ 17,309.70
Mastercard $ 11,304.78
Mastercard $ 3,051.32
Unsecured Loan $ $4,733.89
Wells Fargo Loan $ 6,424.48
Wells Fargo Credit Card $ 2,879.66
Future Trust Credit Card $ 7,864.36
One crucial change that was made and needed to completely stop the use of credit cards was changing my straight cash card into a debit/credit card. Now I can still use the internet to buy things online and have the money come straight out of my account. Nothing has been charged since this change was made, approximately 1-2 months ago.
Grand total is now $242,824.56. Subtract the primary mortgage and we have $95,056.48 I have now paid off $21,589.23 in debt. Excluding the mortgage, I now have under $100,000 left to pay in debt. Sounds terrible on paper, but every milestone counts!
Thursday, April 30, 2009
Another bill conquered and laid to rest! The Wells Fargo loan for my sewer line is history! I made the final payment today.
House $148,973.12
Home Equity $ 42,639.02
Minivan 18,708.36
Mastercard $ 11,530.60
Mastercard $ 3,075.61
Unsecured Loan $ $5,970.63
Wells Fargo Loan $ 7,005.78
Wells Fargo Credit Card $ 4,290.99
Future Trust Credit Card$ 8,673.55
Grand total is now $250,867.66. Subtract the primary mortgage and we have $101,894.54 I have paid off $11,891.29 in debt since the beginning of this adventure. Man, it feels good! Next bill to tackle is the Wells Fargo credit card.
House $148,973.12
Home Equity $ 42,639.02
Minivan 18,708.36
Mastercard $ 11,530.60
Mastercard $ 3,075.61
Unsecured Loan $ $5,970.63
Wells Fargo Loan $ 7,005.78
Wells Fargo Credit Card $ 4,290.99
Future Trust Credit Card$ 8,673.55
Grand total is now $250,867.66. Subtract the primary mortgage and we have $101,894.54 I have paid off $11,891.29 in debt since the beginning of this adventure. Man, it feels good! Next bill to tackle is the Wells Fargo credit card.
Thursday, November 27, 2008
Lowes Credit Card HISTORY!
Hooray! I finally paid off the Lowes credit card. Let's do a quick tally:
House $150,397.94
Home Equity $ 43,505.80
Minivan 19,785.53
Mastercard $ 11,388.40
Mastercard $ 3,055.84
Unsecured Loan $ 7,010.73
Wells Fargo Loan $ 7,428.41
Wells Fargo Credit Card $ 4,662.84
Wells Fargo Loan $ 3,376.83
Future Trust Credit Card$ 9,403.82
Excluding my mortgage, the new total is: $109,618.20 Difference from last tally: $4,167.63
With the house: $260,016.14 Difference from last tally: $4,397.65
Today is Thanksgiving, I am thankful to see progress! In two months I have completely paid off a bill and paid a bit of the entire mess down. My next goal is the Future Trust credit card. That stupid card has a 24.99%. It did not start that way. They changed my interest rate without telling me and I have NEVER been late with payment.
Happy Thanksgiving!!
House $150,397.94
Home Equity $ 43,505.80
Minivan 19,785.53
Mastercard $ 11,388.40
Mastercard $ 3,055.84
Unsecured Loan $ 7,010.73
Wells Fargo Loan $ 7,428.41
Wells Fargo Credit Card $ 4,662.84
Wells Fargo Loan $ 3,376.83
Future Trust Credit Card$ 9,403.82
Excluding my mortgage, the new total is: $109,618.20 Difference from last tally: $4,167.63
With the house: $260,016.14 Difference from last tally: $4,397.65
Today is Thanksgiving, I am thankful to see progress! In two months I have completely paid off a bill and paid a bit of the entire mess down. My next goal is the Future Trust credit card. That stupid card has a 24.99%. It did not start that way. They changed my interest rate without telling me and I have NEVER been late with payment.
Happy Thanksgiving!!
Wednesday, November 19, 2008
Update and Slight Set Back
It has been a while since my last post. I was really hoping to have the Lowes Credit card paid off by now. However, I still have $242.77 left to pay on it. I am crossing my fingers that it will be paid off next week with next weeks' pay check.
Now for the set back, I ran my van into a dump truck! It was completely my fault. I was gawking at the construction and BAM! Ran right into the dump truck in front of me. I did nearly $1900 worth of cosmetic damage to the front of the van. Thankfully the engine is fine. My car insurance deductible is $1000. Plus, I received a $75 ticket for the accident. I have $489.84 in my emergency fund. I will be able to cover my deductible without charging it and the insurance will cover the rest. I had the funds due to a large paycheck I received because of my overtime I have been working.
That was suppose to be the theme of this post, How I Got Extra Income. We now have bigger fish to fry so you will get the short version:
I work overtime hours at work for over $50 an hour.
Now it's time for confession. I went to Chicago despite the fact that I had not met any goals. I spent money on train ticket for my oldest son and I. I spent money not only on my eyebrows, but also a haircut. I spent $190 in the salon alone. Then my son and I went to a nice dinner where I dropped another $50. I also spent money on cabs. I spent a total of $300 that weekend. It did not make me feel good at all! In fact, I hated it. Plus, the $125 haircut wasn't anything great.
This was a huge step backwards in regards to the habits I had been forming. If I had to find the silver lining, it would be that I did not charge one thing. I am back on this frugal wagon with renewed ambition. I want to begin tackling another bill before the year is over.
Now for the set back, I ran my van into a dump truck! It was completely my fault. I was gawking at the construction and BAM! Ran right into the dump truck in front of me. I did nearly $1900 worth of cosmetic damage to the front of the van. Thankfully the engine is fine. My car insurance deductible is $1000. Plus, I received a $75 ticket for the accident. I have $489.84 in my emergency fund. I will be able to cover my deductible without charging it and the insurance will cover the rest. I had the funds due to a large paycheck I received because of my overtime I have been working.
That was suppose to be the theme of this post, How I Got Extra Income. We now have bigger fish to fry so you will get the short version:
I work overtime hours at work for over $50 an hour.
Now it's time for confession. I went to Chicago despite the fact that I had not met any goals. I spent money on train ticket for my oldest son and I. I spent money not only on my eyebrows, but also a haircut. I spent $190 in the salon alone. Then my son and I went to a nice dinner where I dropped another $50. I also spent money on cabs. I spent a total of $300 that weekend. It did not make me feel good at all! In fact, I hated it. Plus, the $125 haircut wasn't anything great.
This was a huge step backwards in regards to the habits I had been forming. If I had to find the silver lining, it would be that I did not charge one thing. I am back on this frugal wagon with renewed ambition. I want to begin tackling another bill before the year is over.
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