June 2014 :: Report

Debt Reduction

Here is where we were after 6.30.2014:

Credit Card Debt               :: $    16,294.96
Taxes Owed                   :: $            00.00
Car Loan  #1                    :: $      4,829.69
Car Loan  #1                    :: $     11,744.76
Tuition                           :: $             00.00
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 32,869.41

*does not include school loans

We have come down a little bit since last time, but as you’ll see in my post later this week, I haven’t had a full-time job for almost a year, so that’s to be expected.

Budget

We didn’t have a budget for this last month, but we will have some information about what we are doing for July!

Savings

Where we landed at the end of June:

Regular Savings  :: $     171
Emergency        :: $      00

Total Savings      :: $   171

We had over $1000 in this earlier this year, but a vet bill for major surgery wiped it all out. So now we have a little. But a little is better than nothing!

April 2013 :: Goals

Our goal for April is to pay $2,700 toward our debt. Taking into account the interest that will be charged ($412) , the net will be $2,298.

So our totals at the end of  April should be:

Credit Card Debt $  17,141.96
Taxes Owed $        00.00
Car Loan #1 $    8,829.19
Car Loan #2 $  14,709.19
Tuition $      705.66
Personal Loans $        00.00
Total Debt * $ 41,386.00

*does not include school loans

And now for the Savings Goals – at the end of  April, we aim to have:

Regular Savings    :: $   325
Emergency           :: $   550

Total Savings      :: $   875

According to Quicken, our debt-free date is :: October 2015.

March 2013 :: Report

Debt Reduction

Here is where we were after 3.31.2013:

Credit Card Debt               :: $    17,924.96
Taxes Owed                   :: $            00.00
Car Loan  #1                    :: $       9,381.81
Car Loan  #1                    :: $     14,949.50
Tuition                           :: $       1,705.66
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 43,683.62

*does not include school loans

Yes. It is difficult to watch that total go up. But we really did our best to get every last mile out of my old car (yay for getting past 190K miles!) and it was time. So, now I have a safe car, with good gas mileage to get us around. This is life.

Budget

Guess which category we struggled with? Yup. Food. Sigh…

We also had a lot of pre-summer camp fees to pay for registration, so there was a bit of spending there, but we’ve got that budgeted, so it isn’t like we weren’t prepared.

Savings

Where we landed at the end of March:

Regular Savings  :: $     165
Emergency        :: $      00

Total Savings      :: $   165

That’s $25 less than we wanted and a lot less than we wanted for the Emergency Fund, but the new car purchase impacted quite a bit of that.

I’m back, but without the stabby…

Hey there!

I can’t ever hear the words “I’m back” without seeing Jack Nicholson’s face at the door, so I wanted to clarify that my declaration was not of the murderous variety, but just to let you know that while I’m not going to be able to blog up to the level that I want, I can am going to try to do the monthly updates AT A MINIMUM.

Here are the updates:

  • My husband got a job at the beginning of the year after 10 months of not working! (slightly more income than unemployment, lol)
  • Our adoptions were finalized! (losing our foster care payments, but gaining two special needs kids)
  • I’m on track to graduate this year!
  • Our car is breaking down (my husband is the total champ, filling it with water everyday, instead of paying the $2,000 to get our 11-year-old, 190,000 mile Saturn repaired).
  • We’re hoping to move this summer to a place that has storage and a yard (rental – we’re in no position to buy).

There’s the brief update – thanks for hanging in there if you are still reading!

March 2013 :: Goals

Our goal for March is to pay $1,900 toward our debt. Taking into account the interest that will be charged ($323) , the net will be $1,577.

So our totals at the end of  March should be:

Credit Card Debt      ::  $ 17,930.61
Taxes Owed            ::  $        00.00
Car Loan                 ::  $  9,107.50
Tuition                   :: $    1,205.66
Personal Loans        ::  $        00.00

Total Debt*              ::  $ 28,243.77

*does not include school loans

And now for the Savings Goals – at the end of  March, we aim to have:

Regular Savings  :: $   190
Emergency           :: $   550

Total Savings      :: $   740

According to Quicken, our debt-free date is :: November 2014.

February 2013 :: Report

Debt Reduction

Here is where we were after 2.28.2013:

Credit Card Debt               :: $    18,723.66
Taxes Owed                   :: $            00.00
Car Loan                        :: $       9,381.81
Tuition                           :: $       1,705.66
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 29,811.13

*does not include school loans

_______________________________________

Budget

I’ll have to come back to this – I wanted to get an update out there and not have anything else delay me, so this will wait 🙂

Savings

Where we landed at the end of February:

Regular Savings  :: $     140
Emergency        :: $      00

Total Savings      :: $   140

August 2012 :: Goals

Our goal for August is to pay $1,978 toward our debt. Taking into account the interest that will be charged ($305) , the net will be $1,602.

So our totals at the end of  August should be:

Credit Card Debt      ::  $ 20,623.94
Taxes Owed            ::  $        00.00
Car Loan                 ::  $ 11,006.37
Tuition                   :: $    1,705.66
Personal Loans        ::  $        00.00

Total Debt*              ::  $ 33,350.97

*does not include school loans

And now for the Savings Goals – at the end of  August, we aim to have:

Regular Savings  :: $     40
Emergency           :: $   500

Total Savings      :: $   540

According to Quicken, our debt-free date is :: November 2014.