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Posts tagged with: debt dispute

Going to Texas – Last Minute Decision

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Previously, I indicated that I had no plans to travel again until November. And then I’m planning to drive to Texas with one if not both of my daughters for Thanksgiving. Well, I lied. Or rather, this wasn’t my idea. And I’m not paying for it (just so we are clear from the beginning.)

Last weekend, a friend and I drive to Charlotte (just under 3 hour drive from me) for a Tiny House Exhibition at the Charlotte Motor Speedway. It was super cool. There were a couple of dozen of conversion vans, skoolies, and tiny houses to explore. It definitely got my mind a-whirling with ideas.

It was sooo cool to go and see, and have such a fun adventure with my friend. But back to the point of this post…

There’s a Sale, Want to Come

While we were on the road driving up to Charlotte, my dad texts and offers to fly Princess and I down to Texas between her school semesters if we wanted to come. Evidently Southwest was doing a sale if you purchased flights with points, and he is the king of collecting points for all of our travels. (I didn’t read the text while I was driving; however, I did have my friend read it to me as I never know what my dad will need so I try to be really responsive.)

Anyways, I immediately called Princess as I know she’s taken a week off work in May and asked if she wanted to spend part of her week in Texas. She was game. So I called dad, gave him the dates and said just book what you can find, we are flexible within these dates. (I will have to take off from my catering coordinator job, but will work my other job while travelling with ease.)

By the time, we got to Charlotte I had flight information in my email. Next month, Princess and I will spend 4 days in Texas. It also happens to be the week of her birthday. That will make it extra special for her and Gymnast to get to be together. And I am thrilled to get to see my baby boy.

I realize that my freedom to travel at will, whether a day trip to Charlotte or a 4 day trip to Texas will come to an end in the not so distant future when Beauty moves out. But I am SO SO grateful for the freedom that having her here to watch and feed the dogs provides.

Sidenote: Beauty and her boyfriend went to Texas last month. That is why she is not going on this trip. 

Hope’s Debt Update – April, 2024

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Lessons I learned the last two months as I’ve started receiving income again:

  • Paying everything at the beginning of the month can leave you struggling at the end of the month.
  • Even with money coming in regularly, it feels much better to have a buffer in your checking account and at least a small emergency fund.
  • After a year in “starvation” mode, even a little splurge right now feels too much.

Overall, April has been a great month financially. (You can see last month’s debt update here.)

Debt DescriptionOctober, 2023 TotalInterest RateMinimum PaymentCurrent TotalPayoff Date (Est)
CC - Sams$1,10629.99%$0$0April, 2024
CC - Amazon$1,49729.99%$53$1,462May, 2024
CC - Wander$1,63029.24%$75$1,605June, 2024
Personal Loan #1$2,5000%$500 (beg April)$1,500June, 2024
Personal Loan #2$2,5000%$500 (beg April)$2,000June, 2024
CC - Frontier$3,85729.99%$131$3,566
Dad - New Furnace$2,6000%$500 (beg June or July)$2,600
CC - USAA$5,00019.15%$135$4,996
Car Loan$19,58112.69%Gymnast Pays$16,623
Student Loans$22,1212.875%In Deferrment$22,505
CC - Apple**$500Paid off every month$0
CC - AMEX$89429.24%$0$0
Total$61,186$1,622$56,857

Updates

The Sam’s Club card is paid in full. Woot, woot! But I am not going to close it. The kids and I use that membership very regularly for food and gas. The girls and I even got our eyes examined there this past month – only $67 for an eye exam. (If we buy our glasses there, we get 20% off. Princess has already taken advantage of this. I’m holding off at least one more month before spending that money.)

I have rearranged the table (again) to show the order I  am focusing on the debt. With my current forecast, here are the next anticipated payoff dates:

  • Amazon CC – May, 2024
  • Personal Loan #1 – June, 2024
  • Personal Loan #2 – June, 2024
  • Wander CC – June, 2024

I’ve not yet purchased a lawn mower. Still dreading that completely. Thankfully, Beauty’s boyfriend graciously volunteered to cut our grass last week, buying me a few more weeks. I will have to address the need in May for sure. I did purchase a edger/trimmer thing. It ran me $131 and is electric. The downside is that it will only run 25 minutes per battery charge. The upside is it’s the same brand as all my other tools so I will have 3 interchangeable batteries so can get the yard done with quick battery changes. At least in theory! So I can start doing some of the yard with that.

Moving along the right direction steadily. I am working 3-4 12 hour days weekly between my two jobs. And loving every minute of it.

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