Category Archives: credit card debt

Out of Credit Card Debt in 2011!

My biggest goal for 2011 is to be completely out of credit card debt. I have one card left:
American Express: -$29,158.08
I cut some big expenses over the last two years, but didn’t ever do a hard budget. I’ve just used my debit card for everything and whatever was left at the end of the month [...]

November Travel Expenses and Credit Card Debt Update

I’d rather not post this because I’m gagging on the numbers. That said, this exercise is not one in which I am intending to show you how ‘frugal’ I am, but more along the lines of when I posted “I can’t believe I am a drunk.”
Moving out of my house and into my RV did [...]

Credit Card Debt/Finances Update – paid off another card!

After starting with over $51,000 in credit card debt on three cards, I am now down to $32,000 on one card!
Credit Card Debt:
American Express: $31,997
My interest expense on that card is about $250 a month, so maybe my interest rate is higher than I thought? I thought it was prime plus 3%.
I have been [...]

credit card debt update

Before I started blogging, I had about $51,000 in credit card debt that broke down, roughly, as:

American Express: $32,000
Bank of America: $14,000
Bank of America: $5,000

By October of 2009, I had decreased my debt to almost $45,000 that broke down as:

American Express: $31,011
Bank of America: $13,588
Bank of America: $0

When I bought my Mini in March of [...]

My New Plan

(Editor’s note: Apologies if you got an email with an old post yesterday. I was trying to take two posts off of private and they re-posted.)
Realizing that in my neighborhood home prices were going down and rent prices were going up, I decided to take my home off the market and list it for rent [...]

Blogus Interruptus

I need to take a short break from this blog. I am sick of myself and my writing is starting to feel like narcissistic navel gazing.
All of my plans are still on. But, of course, I need to be more flexible and patient with regard to this journey.  (Two things that seem to be a [...]

A critical factor

I’m calling two banks today to apply for financing for my RV purchase.
I’m calling a tiny bank I’ve used for years in Northern Michigan and a tiny bank we used to buy my husband’s house on the Gulf Coast.
I’m not sure how the financing is going to look for me. My credit scores for the [...]

Listing Price

I bought my house for $262,00 in June of 2007. (There were multiple bids on the house, so I overbid the asking price of $259,000.)
The original structure was a 630 sq ft one bedroom/one bath home built in 1943.
When I bought my house, someone had already added about 250 sq ft in a big room [...]

Blog therapy

If you’ve been reading for a while, you’ll remember that I used to have panic attacks about this blog. (I mean, really serious anxiety attacks where I almost deleted the whole thing in the middle of the night because I was freaking out.)
I was thinking about this because yesterday Joey (the only person who reads [...]

A brown turtleneck

I went online to buy this brown turtleneck that was on sale for $25.90.

Then I decided that since I wear these almost everyday, I should order four.
Then I saw this Steve Madden jacket. Man, that would look great over a brown turtleneck.

50% off and marked down to $48.90.
Then I saw these boots. Wow, this is [...]

I’m tired.

I am getting a new roof today.
I’m headed to my training for Meals on Wheels this afternoon!
I’m on Day 10 of my giving.
I’m still going to AA meetings.
I found this great new debt management video:

Countup: 16 days of no drinking!
(I don’t feel sane enough to call it sobriety yet.)
Countdown: 141 days until I move into [...]

A boring post and a thousand miles in the Arctic

Most of you are not interested in this level of detail, but I need to keep this stuff straight to stay organized. (If you do read this, please let me know if you notice any errors in my work and/or thinking!)
Goal Date for RV:
My goal is to be in the RV by May 1st. That [...]

Jenny the Roofer

At 2:00 pm. Ruth Ann walks through my front gate, her eyes on the peeling grey paint and overgrown landscaping.
“Jennifer, how are you? Have you finished your PhD?”
Stepping into her hug, I glance self consciously at my neglected yard, “Uh, well, no, I quit.”
I met Ruth Ann while crashing open houses for homes I couldn’t [...]

Home listing price

My real estate agent, Ruth Ann, is coming by tomorrow to check out my house.  I am wondering if she thinks the appraisal is a bit high at $323K.  My house is only 880 sq ft!

Almost all of the value is in the lot. I think my county tax appraisal has my lot valued at [...]

Spending more than I earn: my current finances and income

As everyone who is trying to make this leap to a simpler existence knows, one of the first challenges is trying to significantly decrease your out of pocket expenses.  For me, that means getting out from a mortgage that is too big and paying off credit card debt.
I currently spend more than I take in [...]