by Hope
I am excited to share that with the exception of one credit card, I am up to date with all payments. It took some doing, but I’ve got a plan for Christmas, thanks for all the suggestions. I will share it after the holiday just in case my kids are tracking here.
So without further ado, here is how my debt stands currently:
Debt Description | October, 2023 Total | Interest Rate | Minimum Payment | Paid This Month | Current Total |
---|---|---|---|---|---|
Personal Loan #1 | $2,500 | 0% | 6 months to pay | $2,500 | |
Personal Loan #2 | $2,500 | 0% | 6 months to pay | $2,500 | |
CC - AMEX | $894 | 29.24% | $93 | $100 | $916 |
CC - Wander | $1,630 | 29.24% | $124 | $1,899 | |
CC - USAA | $5,000 | 19.15% | $135 | $200 | $5,072 |
CC - Amazon | $1,497 | 29.99% | $53 | $53 | $1,495 |
CC - Sams | $1,106 | *29.99% | *$40 | $39 | |
CC - Frontier | $3,857 | 29.99% | $338 | $170 | $3,788 |
Car Loan | $19,581 | 12.69% | $500 | $563 | $17,922 |
Student Loans | $22,121 | 2.875% | $306 | Deferred until Dec, 2023 | $22,186 |
CC - Apple** | $500 | $500 | $421 | ||
Total | $61,186 | $61,868 |
Student Loans
My student loan payments were slated to resume this month, but I have applied for an income based repayment schedule based on my steady income and anticipate that will be approved. Just a waiting game for right now.
Part Time Fast Food Job
While I have officially accepted the new part time job, it’s going to be a slow start. They are figuring out how to onboard me, etc. and so I don’t believe I will be hitting the goal hours every week for at least another month-ish. But again, just a waiting game to see how it plays out and then ramps up. Grateful to have it though.
Going forward, I will refer to this job as my Coordinator job vs my Accounting job.
Part Time Contract Job
My contracted work should wrap up for the most part by the first or second week of January. That’s the work that will cover bills through January. I am hoping I will be able to negotiate some on-going work, even if it’s just a few hours a week. It has been a really fun and challenging project. I implemented a new POS system for their two locations – Commerce7, implemented and integrated a new inventory and production software with their production site – EKOS, and am currently finalizing their new website that integrates both with Commerce 7 and VinoShipper. In doing all this, I wrote new SOPs, replaced two other software applications that were using, got to choose and set up all new hardware, and learned a whole lot about wine making.
Praying I can get more projects like this as I have really enjoyed it. Know anyone who needs some help with their tech stack?
Hope is a creative, solutions-focused business manager helping clients grow their business and work more efficiently by leveraging expertise in project management, digital marketing, & tech solutions. She’s recently become an empty nester as her 5 foster/adoptive kids have spread their wings. She lives with her 5 dogs in a small town in NE Georgia and prefers the mountains to the beaches any day. She struggles with the travel bug and is doing her best to help each of her kids as their finish schooling and become independent (but it’s hard!) She has run her own consulting company for almost twenty years! Hope began sharing her journey with the BAD community in the Spring of 2015 and feels like she has finally in a place to really focus on making wise financial decisions.