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Posts tagged with: baby steps to financial freedom

Debt Update – February, 2015 – Hope

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I think I will let the numbers speak for themselves.  If you want to see last month’s debt…you can find that post here.

Debt NameCurrent BalanceInterest RateMin. Mo. PymtOriginal BalanceStatus
TOTALS$44,759$240$83,566
CC Intro Rate - Retail #2$20883.99%$39$3500Retail #2 refinance
Personal Loan - Car$478612%$96$5000Car Sale Difference
Credit Card - Consumer$508013.90%$105$4,974Minimum Payments
Student Loan$32,8052.875%$0$31,687Forbearance until Feb.
Checking Account$00%$741Paid Off - Jan, 2015
Credit Card - Retail$025.99%--$2,265Refinanced - Dec, 2015
Car Loan - Accord$00%--$1,900Paid Off - Dec, 2015
Car Loan - NV$06.79%--$31,138Sold - Dec, 2015
Line of Credit$015.95%--$1,248Paid Off
Credit Card - Retail #1$00%--$413Paid Off
Property Tax$00%--$700Paid Off

 


The Part Time Job

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I’ve bitten off more than I can chew…so this past weekend I resigned my part time job, and I felt horrible about it.  One because I really enjoyed just getting out of the house and my typical routine and being around other adults and just doing mundane tasks that I didn’t have to bring home.  Oh, and the bi-weekly deposits into my newer emergency fund were nice.

I went in for what I assumed would be my last day this past Friday, and realized just how much I appreciate and respect my boss there.  She is rock steady, a micro manager without being a micro manager and I didn’t want to lose that relationship I’ve started to build with her.  I didn’t want to quit.  So I let her know the circumstances and offered to just come in on Fridays and do project work.  And she took me up on it!

So what was a part time job, is now really only going to be a few hours per week, but I think it’s a good compromise and I’m glad it worked out for both of us.

Since this money really only funded my EF it won’t really affect my  debt payoff journey, but will continue to contribute to my baby steps to become more financially sound in the long run.  Baby steps!


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