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Hope Debt Update – end of June, 2020


The girls and I leave today for a week in Texas. We are all very excited to get away and see family. This will be Beauty’s first flight, first trip to Texas so that makes it even more exciting.

My parent’s neighborhood pool opened this past week, with restrictions, but it will give us something to do while we are in town. Our plan is to steer clear of most other public places to minimize the risk to ourselves and my parents as much as we can.

I thought I would pop in with a end of June debt update…so without further preamble, I will let the numbers speak for themselves.

Original Debt
Last Update
Current Balance
Min. Payment
Student Loan #1$17,000.00$11,674.48$8,993.602.88%$0
Student Loan #2$21,750.03$19,561.92$19,536.552.88%$0
Honda HRV$21,200.00$17,631.11
Now as for my budget, I had planned to work on a new one, but there are just too many variables right now. Kids moving in and moving out, staying or not staying and so on. So I’ve decided to wait until August to try to nail things down…

Bot the twins are saying they are planning to move out at the end of the summer…but I am not confident that is really going to happen. And I’m still not sure if Gymnast will live here or return to his dad’s. This flux is hard for me, I am a planner, big time. But I’m learning to just breathe and go with the flow.

The kids are learning that they have to tell me if they are going to be here for dinner though. I’ve stopped cooking every day because so often I would cook and then I’d be the only one here for dinner. It became very frustrating.

Isolation, Independence Kids and School

Overall, this isolation continues to be good for my debt payoff. I am working 10-12 hours most days. My days are mostly uninterrupted since the 4 kids at home are relatively independent and mobile.

Sea Cadet, History Buff and Princess all pitch in to make sure Beauty gets to work and home. And when the girls aren’t working or studying, they spend their free time together skateboarding, a new hobby for both of them, at local parks or crafting around the house.

Georgia’s governor has declared that schools will re-open this fall. I’m not sure how that will look as far as restrictions go. But Princess school anticipates students returning to campus mid-August. We are waiting to hear what Beauty’s school plans to do.


  • Reply Shanna |

    Nice to see those numbers keep going down! Have a great trip and be careful, Texas is a crazy COVID spot right now.

    • Reply Hope |

      I am pretty proud of the last couple of months. Really proud. And have plans to continue with this same focus.

  • Reply Cheryl |

    Texas is having a high number of cases and you should check if you will need to quarantine for 14 days when you get back.

    • Reply Hope |

      Yes, I really struggled with whether we should go here at the end. However, with my mother’s health declining and the virus increasing, I decided it was better to go now and be prepared to not go later in the year (our typical Thanksgiving trip.) Not to mention I need to get Gymnast. Thankfully other than our masked, I still hate those things, air travel, we will be staying put at my parents’ home. So crossing my fingers that our risk is slight.

  • Reply Walnut |

    That’s a solid payment on your student loan. If work stays busy, you really could hit a stretch goal of paying the first one off this year.

    • Reply Hope |

      I’ve been hesitant to say that…but it’s definitely a thought in the back of my head.

      • Reply Walnut |

        Get it, Hope! An extra project here, a few extra hours there. When you get bonus cash, make an extra payment.

  • Reply Cwaltz |

    You’re under $30,000 for the very first time Hope. That’s amazing. Keep up the good work!

So, what do you think ?