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Hope’s Debt Update – November, 2025

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We are there guys! We and by we, I mean I hit $10,000 in my high interest savings account this past month. Woot, woot! So now it’s time to turn my eye to my remaining debt – time to pay off those student loans. Finally!

This is the balance as of today.

Debt DescriptionOctober, 2023 TotalInterest RateMinimum PaymentCurrent TotalPayoff Date (Est)
Student Loans$22,1212.875%$307$18,246
CC - Apple**$500$0May, 2025
CC - Frontier$3,85729.99%$0$0May, 2025 - Closed
Dad - New Furnace$2,6000%$0$0
May, 2025
CC - USAA$5,00019.15%$0$0May, 2025
CC - Sam's Club$0May, 2025 (again)
CC - Amazon$0May, 2025 (again) - Closed
CC - Southwest$0May, 2025
Painter$0May, 2025
CC - AMEX$89429.24%$0$0Mar, 2024 - Closed
CC - Sams$1,10629.99%$0$0April, 2024
Personal Loan #1$2,5000%$0$0July, 2024
Personal Loan #2$2,5000%$0$0August, 2024
CC - Wander$1,63029.24%$0$0August, 2024 - Closed
CC - Amazon$1,49729.99%$0$0September, 2024
Total$44,206$307$18,246

And today, I scheduled an extra $400 payment. That was my overage last month after all my regularly budgeted items plus hitting my $10K goal in savings.

The Plan

I will continue to put $130 into my various investment accounts and savings accounts every week. This is broken down as: $50 into high interest savings and $80 into investment accounts. Those are on auto-draft.

All monies outside of my regularly budgeted items will then be poured into my student loan debt. Looking at the past few months, that should end up being a minimum $2,000 per month to my student loans. As I’m writing this, I realize that I have not shared my updated budget. I’ll get that shared in the next week or so.

Work

Work continues to go well. Most of my work for the past 6 months has come from 3 main client and a handful of small projects. I’m currently working on applications for a number of other small clients/projects. And have two smaller projects to complete this month in addition to my ongoing work from my 3 primary clients.

I’m enjoying a very nice work/life balance for the first time in a really long time. In the past it has always seemed I had too much or too little work. Now I am enjoying staying busy and earning a good living, but having the time and capacity for a life. In addition to ongoing caretaking for my mom and supporting my dad, I’ve found a church I love, joined a couple of women’s Bible studies, and signed up for a number of free classes at the local library. This week I’m going to a book making class.

Life is good.

 

 

 

 

 

Get to Know the Long-Term Savings of Installing a Modern Garage Door

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A modern garage door is more than a fresh facade. It is a mechanical system, a weather barrier, and a daily convenience that influences energy use, maintenance costs, and resale value. Older doors often leak air, vibrate, and fail at their weakest panels or hardware, which leads to recurring repairs. Upgrading to a sturdier, better sealed door reduces those small but stubborn expenses that add up year after year. The result is a cleaner look outside and a cleaner balance sheet inside, with benefits you notice every single day.

Energy Efficiency and Monthly Bills

Garages are often the largest opening on a home, so thermal losses at that edge can nudge utility bills higher month after month. Insulated, well sealed doors limit drafts, help stabilize adjacent rooms, and ease the load on heating and cooling equipment. That helps cut seasonal spikes and reduces wear on HVAC systems over time. Smart openers that allow you to check the status of the door from your phone also prevent costly all night openings. A small bump in insulation value pays off every season, especially in hot summers or cold winters.

Fewer Repairs, Longer Service Life

Durability is a savings strategy. Thicker gauge steel, rust resistant hardware, and balanced spring systems distribute forces evenly, so parts last longer and need fewer emergency calls. According to This Old House, a typical garage door can serve for roughly two to five decades, which means a quality model paid for today can extend value far into the future. Choosing a door rated for your climate and wind exposure also reduces panel fatigue. Over time, fewer breakdowns means fewer surprise invoices.

Resale Value and Curb Appeal

First impressions influence offers, and few upgrades are as visible as a new garage door. A crisp style, clean lines, and a quiet close create a sense of care that buyers notice during showings. Appraisers often consider exterior condition when comparing nearby homes, so a door that looks and operates like new supports a stronger valuation. The day to day perk is practical, too. Quieter operation improves comfort at all hours, which feels like a luxury without luxury pricing. Neighborhood comparables often reward upgraded exteriors, and the garage door is one of the quickest visual cues buyers notice early on.

Safety, Security, and Insurance

Modern systems include safety sensors, rolling code remotes, and stronger lock options to reduce risk. Better security can lower the likelihood of theft and the secondary costs of replacing tools, bikes, or stored goods. Some insurers consider protective upgrades when assessing premiums, and a well maintained door helps you qualify for the best terms. Smart integrations also provide activity logs, so you can spot unusual patterns early. Safer gear protects both your family and your finances.

How Common Garages Change the Math

The scale of garage ownership makes small efficiencies matter. According to At The Lake Magazine, more than 80% of households in the United States have a garage, which means replacing worn doors is a mainstream investment. When a feature is this common, buyers develop clear expectations about appearance and performance. Meeting those expectations with a modern door helps your home compete in a crowded market. It also ensures daily routines stay smooth for years.

Professional Installation and Industry Scale

Skilled installation protects warranties, reduces callbacks, and ensures springs, tracks, and openers are aligned for long life. According to IbisWorld, the garage door installation market was valued at about $318.1 million in 2023, which reflects a mature sector with standardized practices. That scale supports better parts availability, competitive pricing, and reliable service networks that keep lifetime costs predictable. Choosing reputable installers and requesting a tune up schedule locks in predictable ownership costs over the long run. Routine service preserves performance and helps avoid costly emergency visits.

Smart Features That Compound Savings

Small conveniences create outsized returns over time. Battery backups prevent costly locksmith visits during power outages, and soft start motors reduce stress on the entire lift system. LED lighting integrated into the opener saves electricity while brightening a high traffic space. Weather seals at the bottom and sides prevent water, dust, and pests from creeping in, which protects tools and stored items. Together, these details turn a simple upgrade into a long term cost saver that you will appreciate in daily use and in your budget.