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About Me:

A Grateful Person

It has been six years since I graduated college and its taken me this long to find a steady position. I have been lucky and held out for the best while job searching and with every bout of employment my debt lessened. Now I am 30 and looking at the big picture more seriously.

Financial Low Down:

Revolving cc debt:
CC #1: 4309 19.8%
CC #2: 518 11%

Non-revolving cc debt:
none

CC for House Improvements: 9150 at 0%

Unsub SL #1 paid off! As of 3/15!
SL: 9800 over 5 loans rates 5.35% 6.55% mix of sub and unsub

Car Loan paid off!! As of 5/14
Traded in old car got a lease on a new one (free 2 years)
Money saved toward new car: $46

Paid off old medical bill finally this year!

EF: 1
Savings Account: $$ for 0 months worth of expenses
Roth IRA: 4166

Goals:
Reach 6 month EF fund in 2017
Save $5000 for car by August 2017
Pay off student loans by 2019

Lyft referral code (you earn and I earn!): CREDITCARD39398

Achievement referral code (Make money from your Fitbit): http://tinyurl.com/y7xb7oms

Updates

December 20th, 2016 at 08:19 pm

Well some updates. The debt on the credit card started ballooning around my birthday. It was a big one for me, I turned 30.

I've only begun to get out of the haze now and access the damage.

The good:

I now have 1000 in my emergency fund. I've kept up with my estimated tax payments and I'm fully funded in there.

The bad:

I went over board and now the credit card debt has increased.

The positive:

Now that I have an emergency fund and sorted out Christmas, I just really need to get the credit card paid off. I'm hoping I can get this done over the next few months but I have to focus on bills and staying away from putting more debt on there. When I pull cash out and stick to that things go well so I'm just going to keep doing that.

I can't wait to get rid of this albatross around my neck it has not been fun.

Posted in Credit Cards, Debt, Shopping | 2 Comments »

2 Responses to “Updates”

PatientSaver Says:
December 20th, 2016 at 09:17 pm 1482268620
1482268620

Credit card debt is the worst. With the usury interest rates and late payment penalties, you can quickly go under. I would avoid it at all costs. That being said, I know that long-term contract work is a tough way to make a living becus there are so many in-between jobs times when you lose ground. I'm glad you found something steady.
snafu Says:
December 21st, 2016 at 12:19 am 1482279549
1482279549

Happy to hear from you and good news that you've funded income tax and still managed to keep an emergency fund with all the costs of Christmas. Most of us find if we keep current on SA, it subconsciously motivates us towards stated goals.

Wishing you much fun for the holidays

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Permanent Temp Dealing with Debt

Trying be as financially sound as possible with noncontiguous work

Updates

2 Responses to “Updates”

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