By hope
This month is pretty much a wash since the bulk of the money I would have paid off debt will be going to Princess Dental Surgery. I use CC for a fee. I paid the amount at the beginning of the month, but I will max it out with the surgery.
Therefore, the card will not be paid until next month.
| Description of debts | October 2023 Total | interest rate | Minimum payment | Current total | Payment date (Eastern time) |
|---|---|---|---|---|---|
| CC – border | $3857 | 29.99% | $130 | $ | November 2024 |
| Dad – new oven | $2600 | 0% | $0 | $2600 | January 2025 |
| CC – USA | $5000 | 19.15% | $135 | $ | November 2024 |
| Student loans | $22,121 | 2.875% | $ | September 2025? | |
| CC – Apple** | $500 | Paid every month | $0 | ||
| CC – AMEX | $894 | 29.24% | $0 | $0 | March 2024 – Closed |
| CC-SAMS | $1,106 | 29.99% | $0 | $0 | April 2024 |
| Personal Loan No. 1 | $2500 | 0% | $0 | $0 | July 2024 |
| Personal Loan No. 2 | $2500 | 0% | $0 | $0 | August 2024 |
| CC – wander | $1,630 | 29.24% | $0 | $0 | August 2024 – Closed |
| CC – Amazon | $1,497 | 29.99% | $0 | $0 | September 2024 |
| the total | $44,206 | $265 | $31,523 |
I made some extra money this month on a side project. (It was supposed to come last month.) I put that into my personal loan. Other than that, there’s not much to report about your debt journey this month.
Upcoming goals
After I finally pay off the Frontier CC next month (November), I plan on dealing with a personal loan next. I realize that USAA CC is still high and interest is accumulating. But it would be nice to pay my parents and start the new year with the only credit card debt left.
Quiet, focused months ahead
Other than the family trip to Texas for Thanksgiving, I’m anticipating very quiet and focused months ahead. As of this posting, none of the boys will be coming to Georgia for Christmas. The girls have their own dorms now, so it will be very simple. I work on planning home projects on the weekends in anticipation of putting the house on the market in the new year. I think it will happen in March now.
I also plan to meet with a few real estate agents over the next month to determine what projects to take on and what to avoid. This will definitely impact the budget over the next couple of months especially when I know what I can do myself and what I will need help with.
Are there any tips from the BAD community for selling a house?
Hope is a creative, solutions-focused business manager who helps clients grow their businesses and operate more efficiently by leveraging expertise in project management, digital marketing, and technology solutions. She has recently become an empty nester as her five foster/adopted children spread their wings. She lives with her three dogs in a small town in northeast Georgia and prefers the mountains to the beaches any day. She has the travel bug and does her best to help each of her children finish school and become independent (but it’s hard!) She’s been running her own consulting company for nearly twenty years! Hope began sharing her journey with the BAD community in the spring of 2015, and feels like she’s finally in a place that allows her to truly focus on making wise financial decisions.
