by Hope
Issues are nonetheless fairly dire. I’m nonetheless considerably behind on a number of “4 partitions” payments. So there are debt funds which might be simply not getting paid.
Figured I might get that out of the best way, so that you wouldn’t marvel why a few of these debt numbers are going up!
| Debt Description | October, 2023 Whole | Curiosity Fee | Minimal Fee | Paid This Month | Present Whole |
|---|---|---|---|---|---|
| Private Mortgage #1 | $2,500 | 0% | 6 months to pay | $2,500 | |
| Private Mortgage #2 | $2,500 | 0% | 6 months to pay | $2,500 | |
| CC – AMEX | $894 | 29.24% | $93 | $954 | |
| CC – Wander | $1,630 | 29.24% | $124 | $1,834 | |
| CC – USAA | $5,000 | 19.15% | $135 | $131 | $5,190 |
| CC – Amazon | $1,497 | 29.99% | $53 | $55 | $1,519 |
| CC – Sams | $1,106 | *29.99% | *$40 | $40 | $1,113 |
| CC – Frontier | $3,857 | 29.99% | $338 | $170 | $3,994 |
| Automotive Mortgage | $19,581 | 12.69% | $500 | $563 | $19,581 |
| Scholar Loans | $22,121 | 2.875% | $306 | Deferred till Dec, 2023 | $22,186 |
| CC – Apple** | $500 | $500 | $497 | ||
| Whole | $61,186 | $61,868 |
A few notes:
*The web site to get my assertion and these particulars was not obtainable so these are estimates.
**I pay this CC off each month and reuse. This and the USAA CC will likely be left open. However the objective is to repay and shut all different traces of credit score.
Catching Up
On the flip facet of that, I’ve contracted out sufficient work to pay the payments via the top of January. Most of those are one off tasks. My common month-to-month consumption has elevated from the $2,200 per thirty days from my half time job to round $2,700. (I might want to allocate a few of this extra earnings to self-employment taxes.)
I’m hoping to be caught up with all the things by mid-December. This actually depends upon how well timed I’ll obtain funds for these tasks. And I’m hoping to renew saving with the $200 from my half time job. I’ll positively really feel extra comfy when I’ve some form of emergency fund once more.
I proceed to actually pound the pavement every day. Hitting up and few brick and mortar shops and introducing myself and dropping off a flyer particulars my service choices from net design to social media administration and all the things in between.
Hope is a digital advertising supervisor and foster/adoptive single mother to 5 youngsters. She has run her personal consulting firm for over 15 years and took a leap of religion returning to the company world in 2021 to a job and crew she loves! Hope started sharing her journey with the BAD group within the Spring of 2015 and looks like she has lastly mastered the steadiness between household first and clever monetary selections.
