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Debt Update - 10/12/18

October 12th, 2018 at 12:50 pm

$875.04 paid off in the last 2 weeks!!!

Celebrations for this update:
-$875.04 paid off in the last 2 weeks!!
-Our Mortgage went under the next $1000 mark!!
-Total Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,667.06
Mom Loan #2/#3 $37,616.58
MO Mortgage $82,020.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $513,229.47

Down $875.04 in the last two weeks!

Starting total was $613,351.27
$100,121.80 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update as of 9/28/18

October 3rd, 2018 at 01:31 pm

$853.84 paid off in the last 2 weeks!!!

Things are (kind of) settling down here. We have our new renter into Rental #1 so that is good news. I am a little worried that she is going to be a problem as she is a little "floopy". I think that is a word from Phoebe on Friends...but you get the idea...lol. But she has made 2 of the 3 payments on her deposit, and paid October rent so hopefully she will be good. We (and by we I me MO) did a lot of minor repairs and painting to get the house ready for her and we also had an egress window put in, which was a big bite out of savings. In the long run the repairs are good as they do increase the value of the property, but I am feeling stressed about not having enough in savings right now with babies on the way. I am working on shifting my mindset on money/savings/debt to accept it as it is.


No new news on babies yet, my next apt is in about 2 weeks and hoping to find out genders then! I am feeling good, some nausea, morning sickness, tiredness and random swelling or aches, but nothing major or unexpected at all. We continue to be blessed by friends and family with hand-me-down baby goods and will probably not need to buy any baby furniture or big items other then possibly car seats. This is great cause then we can save our money for all the diapers..lol.

Celebrations for this update:
-$853.84 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,784.58
Mom Loan #2/#3 $37,616.57
MO Mortgage $82,020.71
My Mortgage $146,600.00
Our Mortgage $243,082.65
Total = $514,104.51

Down $853.84 in the last two weeks!

Starting total was $613,351.27
$99,246.76 paid off since 6/19/15 (including downpayment on house)!!!!!

I'M PREGNANT!!!! WITH TWINS!!!

September 15th, 2018 at 07:48 am

Well we had to add some debt to our race as we purchased a new vehicle to fit our growing family!

I AM PREGNANT!!!!! WITH TWINS!!!!

After 11 years of dealing with infertility, I am finally expecting for the first time in my life! We are over the moon happy!!

Babies are expected around Jan/Feb 2019. We had another ultrasound a few days ago and both babies look great and are right on track. Only issue is I did test positive for gestational diabetes, but that was not a surprise as my entire family has diabetes, so I was a prime candidate for that. Meeting with nutritionist soon to get that under control.

Obviously we will have a lot of financial changes that will come with the babies. For now we are getting what we can for hand me downs from friends and family (my SIL basically emptied out her entire basement into our truck, cause her youngest is 4 y/o and she hasn't gotten rid of ANY baby stuff, so she just wanted it all out of there!) and also watching for good deals on FB and at rummage sales. We don't know gender yet, so haven't been getting a lot of clothes, but I do have a double stroller, swings, bouncers, pack and play, some diapers, high chair, 2 cribs, changing table, and a bunch of other baby gear already.


We purchased a Ford F-150 Lariat Ecoboost, this will be big enough for us to fit two adults, two car seats, our 2 dogs, and all of our stuff (luggage, softball bags, dog kennels, baby stuff, etc.) can go in the truck bed. Since we live an hr from town, whenever we go anywhere we usually have to bring the dogs and all the junk, so we needed something with a lot of room, and I didn't want to have to be climbing into the back of a mini van or SVU to dig out kennels and pack and plays etc. We love the truck and are not driving it much at all until babies get here. We are happy that everyone will be safe and comfortable. We will keep driving our old vehicles until we need the room. My Mom was generous enough to loan us money again. We added the $26K for the truck onto the current Mom Loan, but I did separate out the lines so I can see when we actually finish Mom Loan #2 (HELOC) and start paying on Mom Loan #3 (Truck). Our payment will not change on the loan at this time, once we have a better budget idea for when the babies are here, we may change our payment.

Here is our debt update for 9/14/18

Celebrations for this update:
-$873.48 paid off in the last 2 weeks!!
-Store Loan went under the next $1000 mark!!
-Total Debt went under the next $1000 mark for the 7th update in a row!! (This is a record for me!)
-I'M PREGNANT!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $4,902.01
Mom Loan #2/#3 $38,152.98
MO Mortgage $82,220.71
My Mortgage $146,600.00
Our Mortgage $243,082.65
Total = $514,958.35

Down $873.48 in the last two weeks!

Starting total was $613,351.27
$98,392.92 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update as of 8/31/18

September 5th, 2018 at 02:09 pm

Another nice update! We are looking at a new vehicle tomorrow, so if that turns out to be what we are looking for, our debt will be going up as we are in need of a new vehicle. We shall see how it goes!

Celebrations for this update:
-$896.03 paid off in the last 2 weeks!!
-Total Debt went under $490K!!
-Total Debt went under the next $1000 mark for the 6th update in a row!! (This is a record for me!)

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,019.35
Mom Loan #2 $12,152.98
MO Mortgage $82,220.71
My Mortgage $146,950.00
Our Mortgage $243,488.79
Total = $489,831.83

Down $896.03 in the last two weeks!

Starting total was $587,351.27
$97,519.44 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 8/17/18

August 17th, 2018 at 10:58 am


Celebrations for this update:
-$871.91 paid off in the last 2 weeks!!
-My Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 5th update in a row!! (I think that is a record for me!)

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,136.60
Mom Loan #2 $12,731.76
MO Mortgage $82,420.71
My Mortgage $146,950.00
Our Mortgage $243,488.79
Total = $490,727.86

Down $871.91 in the last two weeks!

Starting total was $587,351.27
$96,623.41 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 8/3/18

August 3rd, 2018 at 12:46 pm

I love debt update days!!!

Celebrations for this update:
-$694.89 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 4th update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,253.76
Mom Loan #2 $12,731.76
MO Mortgage $82,420.71
My Mortgage $147,300.00
Our Mortgage $243,893.54
Total = $491,599.77

Down $694.89 in the last two weeks!

Starting total was $587,351.27
$95,751.50 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 7/20/18

July 20th, 2018 at 02:00 pm

Celebrations for this update:
-$1074.24 paid off in the last 2 weeks!!
-Our Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 3rd update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,370.83
Mom Loan #2 $13,309.58
MO Mortgage $82,420.71
My Mortgage $147,300.00
Our Mortgage $243,893.54
Total = $492,294.66

Down $1074.21 in the last two weeks!

Starting total was $587,351.27
$95,056.61 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 7/6/18

July 11th, 2018 at 07:51 am

Celebrations for this update:
-$693.34 paid off in the last 2 weeks!!
-Total Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,487.81
Mom Loan #2 $13,309.58
MO Mortgage $82,624.21
My Mortgage $147,650.00
Our Mortgage $244,296.90
Total = $493,368.90

Down $693.34 in the last two weeks!

Starting total was $587,351.27
$93,982.37 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 6/22/18

June 21st, 2018 at 05:02 pm

$1038.78 paid off in the last 2 weeks!!!

All of the repairs/updates for Rental #2 are done, just a small amount of clean-up and some yard work to do and then all set for our new renters to move in on 7/1.

I got my ENTIRE backlog of resell items logged/blogged and marked for FB sales and rummage sales. I am still selling like crazy and making about $140 a week right now!

Savings took a big hit with the rental and medical bills. Down to about $15K, but now that we have all rentals filled again should be able to go back in the right direction.

We are only $62 away from going under the next $1000 mark for total debt, normally I would pay down that extra amount to get under that next $1000, but with all the bills coming in now isn't the best time to throw extra at debt.

[b]Celebrations for this update:[b]
-$1038.78 paid off in the last 2 weeks!!
-Total Debt went under the next $1000 mark!!
-This is our 3 year anniversary since MO and I combined debts and since then we have paid off $90,328.94!!! Over $30K per year!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,604.70
Mom Loan #2 $13,886.43
MO Mortgage $82,624.21
My Mortgage $147,650.00
Our Mortgage $244,296.90
Total = $494,062.24

Down $1038.78 in the last two weeks!

Starting total was $587,351.27
$93,289.03 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 6/8/18

June 8th, 2018 at 10:00 am

$692.61 paid off in the last 2 weeks!!!

We got the 4th apt filled for my parents rental that we property manage! So all of our rentals will be full as of 7/1 and all of my parents rentals are full! What a relief!

I have been making it a priority to get through my backlog deals that I needed to mark and/or post for sale. Today is day 4 of being really focused on it and I have sold 44 items, and marked/posted 136 items in just 4 days!! So now they are ready for my store to sell and ready to put out for a rummage sale. I am so happy with how it's going and that extra money really helps with all the rental and medical bills we have coming due in a few weeks.

Savings is going good and is still over $20K! We will start paying the big bills soon for medical and rental so won't be over $20K for too much longer.

We are only $101 away from going under the next $1000 mark for total debt, normally I would pay down that extra amount to get under that next $1000, but with all the bills coming in now isn't the best time to throw extra at debt.

Celebrations for this update:
-$692.61 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!!
-Race #2 went under the next $1000 mark, and under $20K!!!!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,721.50
Mom Loan #2 $13,886.43
MO Mortgage $82,804.21
My Mortgage $147,990.00
Our Mortgage $244,698.88
Total = $495,101.02

Down $692.61 in the last 2 weeks!!

Starting total was $587,351.27
$92,250.25 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 5/25/18 Rental Repairs Update

May 25th, 2018 at 12:42 pm

Well we got the new carpet ordered for Rental #2, the new fridge was delivered last week, and we got a signed lease for a new renter today! They won't be moving in until July 1st, but that is ok cause we need to get the new carpet in and do some yard work and a few minor repairs so it's good to have a few weeks to get everything done right before they move in.

We also (hopefully) found another renter for the 4 unit we manage for my parents. We don't have a lease yet, so not saying for sure, but looks promising.


$301.62 paid off in the last 2 weeks!!!

Celebrations for this update:
-$301.62 paid off in the last 2 weeks!!
-Total Debt went under the next $1000 mark for the 2nd update in a row!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,838.21
Mom Loan #2 $14,462.33
MO Mortgage $82,804.21
My Mortgage $147,990.00
Our Mortgage $244,698.88
Total = $495,793.63

Down $301.62 in the last 2 weeks!!

Starting total was $587,351.27
$91,557.64 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 5/11/18

May 11th, 2018 at 02:46 pm

We are scrambling like crazy with our rentals and the rentals we are the property managers at. Spring brings so many repairs and maintenance tasks and then add that to our renter moving out, and 2 units open in the property we manage and hubby and I are both running around in circles all the time. We have a few more repairs than we originally thought at Rental #2. MO ordered a new fridge for it yesterday, and we will be replacing the carpeting in 3 rooms as well. We also ordered new hot tub covers for the rental (renter will be losing out of their deposit for that since they destroyed it) and one for our hot tub. So very happy we had a good savings cushion going.....after all the repairs I'm sure there will be a good chunk gone.

$1462.86 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1462.86 paid off in the last 2 weeks!!
-Store Loan went under the next $1000 mark!
-Mom Loan went under the next $1000 mark!
-MO Mortgage went under the next $1000 mark!
-My Mortgage went under the next $1000 mark!
-Our Mortgage went under the next $1000 mark and passed the $25K paid off mark!
-Total Debt went under the next $1000 mark!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $5,954.83
Mom Loan #2 $14,462.33
MO Mortgage $82,989.21
My Mortgage $147,990.00
Our Mortgage $244,698.88
Total = $496,095.25

Down $1462.86 in the last 2 weeks!!

Starting total was $587,351.27
$91,256.02 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 4/13/18

April 13th, 2018 at 12:15 pm

I've been too busy to post much. Lots of drs apts out of town. One week till Laughlin vacation!!!


$865.58 paid off in the last 2 weeks!!!

Celebrations for this update:
-$865.58 paid off in the last 2 weeks!
-Total Debt went under the next $1000 mark for the 7th update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,187.80
Mom Loan #2 $15,037.27
MO Mortgage $83,185.85
My Mortgage $148,700.00
Our Mortgage $245,099.48
Total = $497,860.40

Down $865.58 in the last 2 weeks!!

Starting total was $587,351.27
$89.490.87 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 3/30/18

March 30th, 2018 at 07:53 am

$875.14 paid off in the last 2 weeks!!!

Celebrations for this update:
-$875.14 paid off in the last 2 weeks!
-Total Debt went under the next $1000 mark for the 6th update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,304.15
Mom Loan #2 $15,037.27
MO Mortgage $83,185.85
My Mortgage $148,700.00
Our Mortgage $245,498.71
Total = $498,725.98

Down $875.14 in the last 2 weeks!!

Starting total was $587,351.27
$88,625.29 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 3/16/18

March 19th, 2018 at 07:08 am

Yes we are finally under $500K!!!

Normally MO would pay on his mortgage on this paycheck, but it is a 3 paycheck month so he paid some other bills associated with our rental being open for a month instead, and he will pay his mortgage with the last check of the month. I did some miscalculations as I was writing up my update while watching March Madness and apparently not paying attention so I thought we weren't going to get under $500K, so I paid an extra $250 on my mortgage. After I paid it I realized I hadn't updated the payment for our mortgage, and that we were already under $500K with out that extra payment....oops! Oh well so we paid $250 extra that we didn't need to right now, but it all has to get paid eventually!!

$1204.03 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1204.03 paid off in the last 2 weeks!
-My Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 5th update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,420.41
Mom Loan #2 $15,611.25
MO Mortgage $83.370.75
My Mortgage $148,700.00
Our Mortgage $245,498.71
Total = $499,601.12

Down $1204.03 in the last 2 weeks!!

Starting total was $587,351.27
$87,750.15 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 3/2/18 - Last Update over $500K!

March 6th, 2018 at 07:49 am

This is our last update having over $500K in debt! YEAH!!!!! 96% of our debt is mortgages, but it still sucks to have that much debt. Very excited to change that first digit to a 4!

$599.10 paid off in the last 2 weeks!!!

Celebrations for this update:
-$599.10 paid off in the last 2 weeks!
-Mom Loan went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 4th update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,536.58
Mom Loan #2 $15,611.25
MO Mortgage $83.370.75
My Mortgage $149,300.00
Our Mortgage $245,896.57
Total = $500,805.15

Down $599.10 in the last 2 weeks!!

Starting total was $587,351.27
$86,546.12 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update 2/16/18

February 16th, 2018 at 01:04 pm

$1057.50 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1057.50 paid off in the last 2 weeks!
-Our Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the 3rd update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,652.66
Mom Loan #2 $16,184.27
MO Mortgage $83,370.75
My Mortgage $149,300.00
Our Mortgage $245,896.57
Total = $501,404.25

Down $1057.50 in the last 2 weeks!!

Starting total was $587,351.27
$85,947.02 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 2/2/18

February 2nd, 2018 at 08:08 am

$687.99 paid off in the last 2 weeks!!!

Celebrations for this update:
-$687.99 paid off in the last 2 weeks!
-Total Debt went under the next $1000 mark for the 2nd update in a row!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,768.66
Mom Loan #2 $16,184.27
MO Mortgage $83,555.75
My Mortgage $149,660.00
Our Mortgage $246,293.07
Total = $502,461.75

Down $687.99 in the last 2 weeks!!

Starting total was $587,351.27
$84,889.52 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update 1/19/18

January 19th, 2018 at 06:50 am

$1015.96 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1015.96 paid off in the last 2 weeks!
-Store Loan went under the next $1000 mark!!
-Total Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $6,884.57
Mom Loan #2 $16,756.35
MO Mortgage $83,555.75
My Mortgage $149,660.00
Our Mortgage $246,293.07
Total = $503,149.74

Down $1015.96 in the last 2 weeks!!

Starting total was $587,351.27
$84,201.53 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update 12/22/17 and 1/5/18

January 4th, 2018 at 01:53 pm

Looks like I missed my last update! Here are the numbers for the last 2 updates.


12/22/17
$1014.43 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1014.43 paid off in the last 2 weeks!
-My Mortgage went under the next $1000 mark and under $150K!!!
-Our Mortgage went under the next $1000 mark!!
-Total debt went under the next $1000 mark for the 2nd update in a row!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,116.12
Mom Loan #2 $17,327.47
MO Mortgage $83,740.75
My Mortgage $149,980.00
Our Mortgage $246,688.21
Total = $504,852.55

Down $1014.43 in the last 2 weeks!!

Starting total was $587,351.27
$82,498.72 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2880 in a savings account to pay off the Mom Loan, so the amount we still owe that is $14,447.47.


1/5/18
$686.85 paid off in the last 2 weeks!!!

Celebrations for this update:
-$686.85 paid off in the last 2 weeks!
-Mom Loan went under the next $1000 mark!!
-Bad Debt went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,000.39
Mom Loan #2 $16,756.35
MO Mortgage $83,740.75
My Mortgage $149,980.00
Our Mortgage $246,688.21
Total = $504,165.70

Down $686.85 in the last 2 weeks!!

Starting total was $587,351.27
$83,185.57 paid off since 6/19/15 (including downpayment on house)!!!!!

Debt Update - 12/8/17

December 7th, 2017 at 08:04 am

$685.72 paid off in the last 2 weeks!!!

Celebrations for this update:
-$685.72 paid off in the last 2 weeks!
-Our "bad debt" (Store Loan and Mom Loan) went under the next $1000 mark and under $25K!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,231.76
Mom Loan #2 $17,327.47
MO Mortgage $83,925.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $505,866.98

Down $685.72 in the last 2 weeks!!

Starting total was $587,351.27
$81.484.29 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2805 in a savings account to pay off the Mom Loan, so the amount we still owe that is $14,522.47.

Debt Update - 11/24/17

November 26th, 2017 at 05:18 pm

$300.46 paid off in the last 2 weeks!!!

Celebrations for this update:
-$300.46 paid off in the last 2 weeks!
-MO's mortgage went under the next $1000 mark!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,347.31
Mom Loan #2 $17,897.64
MO Mortgage $83,925.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $506,552.70

Down $300.46 in the last 2 weeks!!

Starting total was $587,351.27
$80,798.57 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2730 in a savings account to pay off the Mom Loan, so the amount we still owe that is $15,167.64.

Debt Update - 11/10/17

November 10th, 2017 at 01:20 pm

$1427.30 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1417.30 paid off in the last 2 weeks!
-We went under the next TWO $1000 marks!
-Mom Loan went under the next $1000 mark!
-We reached $100K paid off on Rental #2!!!!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,462.77
Mom Loan #2 $17,897.64
MO Mortgage $84,110.75
My Mortgage $150,300.00
Our Mortgage $247,082.00
Total = $506,856.16

Down $1427.30 in the last 2 weeks!!

Starting total was $587,351.27
$80,495.11 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2650 in a savings account to pay off the Mom Loan, so the amount we still owe that is $15,247.64.

Debt Update - 10/27/17

October 26th, 2017 at 07:42 am

$297.28 paid off in the last 2 weeks!!!

Celebrations for this update:
-$297.28 paid off in the last 2 weeks!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,578.14
Mom Loan #2 $18,466.86
MO Mortgage $84,110.75
My Mortgage $150,650.00
Our Mortgage $247,474.44
Total = $508,280.19

Down $297.28 in the last 2 weeks!!

Starting total was $587,351.27
$79,071.08 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2575 in a savings account to pay off the Mom Loan, so the amount we still owe that is $15,891.86.

Debt Update - 10/13/17

October 13th, 2017 at 11:30 am

$1414.56 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1414.56 paid off in the last 2 weeks!
-Mom Loan went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the third update in a row!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,693.42
Mom Loan #2 $18,466.86
MO Mortgage $84,292.75
My Mortgage $150,650.00
Our Mortgage $247,474.44
Total = $508,577.47

Down $1414.56 in the last 2 weeks!!

Starting total was $587,351.27
$78,773.80 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2415 in a savings account to pay off the Mom Loan, so the amount we still owe that is $16,620.13.

Debt Update - 9/29/17

September 28th, 2017 at 01:23 pm

$307.11 paid off in the last 2 weeks!!!

It was a small update this 2 weeks as the only payments were to our 2 smallest payment debts. We were $8 away from getting under the next $1000 mark for total debt, so I threw $10 at My Mortgage, which also got that under the next $1000 mark. Even $10 feels good when it's going in the right direction! Next update 4 out of our 5 debts will go down so it will be a nice one!

Celebrations for this update:
-$307.11 paid off in the last 2 weeks!
-Race #1/My Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark for the second update in a row!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,808.62
Mom Loan #2 $19,035.13
MO Mortgage $84,292.75
My Mortgage $150,990.00
Our Mortgage $247,865.53
Total = $509,992.03

Down $307.11 in the last 2 weeks!!

Starting total was $587,351.27
$77,359.24 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2415 in a savings account to pay off the Mom Loan, so the amount we still owe that is $16,620.13.

Debt Update - 9/15/17

September 15th, 2017 at 02:28 pm

$904.77 paid off in the last 2 weeks!!!

So happy that getting under $500K for total debt is getting more and more achievable! Savings is going good and payments are rolling us down quickly! So many great celebrations on this update!

In not so fun news - My car (the vehicle we both try to use the most for low gas mileage) that we just spent something like $1000 on in repairs is down again. We just drove it out of town, 4 hrs each way, all in one day, and it ran great and was totally fine. Then two days later we get in to go to dinner and the power steering is out (again) and smoking. We just had that repaired about 4 weeks ago. MO is going to talk to the mechanic and see if we can get it fixed for free since their repair wasn't satisfactory. If not I think it's time to say goodbye for good. We have 3 other vehicles, so we won't need to deal with any replacement costs, but still sad to see my car of 9 years bite the dust.

Also we decided to do an impromptu trip to Laughlin at the end of Sept. MO starts coaching in October and that takes up all of his time till March, so we decided to get in one more trip this year. We go on a lot of group and family trips, this time it's just going to be the two of us, so that will be nice.


Celebrations for this update:
-$904.77 paid off in the last 2 weeks!
-Bad Debt went under the next $1000 mark!
-Store Loan went under the next $1000 mark!
-Our Mortgage went under the next $1000 mark!
-Total Debt went under the next $1000 mark!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $7,923.73
Mom Loan #2 $19,035.13
MO Mortgage $84,474.75
My Mortgage $151,000.00
Our Mortgage $247,865.53
Total = $510,299.14

Down $904.77 in the last 2 weeks!!

Starting total was $587,351.27
$77,052.13 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2340 in a savings account to pay off the Mom Loan, so the amount we still owe that is $16,695.13.

Debt Update - 9/1/17

August 31st, 2017 at 10:31 am

Celebrations for this update:
-$682.26 paid off in the last 2 weeks!

We were only $203.91 from going under the next $1000 mark, and this would be the 6th update in a row, so I considered just throwing the extra $205 against my mortgage (the only debt we can easily make extra payments on), but decided since that isn't our focus right now to just hold onto it and stick with the plan.

I'm receiving a $600 bonus next payday so hoping to put that whole amount in savings as cash flow finally seems to be leveling out after vaca.


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $8,038.75
Mom Loan #2 $19,035.13
MO Mortgage $84,474.75
My Mortgage $151,400.00
Our Mortgage $248,255.28
Total = $511,203.91

Down $682.26 in the last 2 weeks!!

Starting total was $587,351.27
$76,147.36 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2265 in a savings account to pay off the Mom Loan, so the amount we still owe that is $16,770.13.

Debt Update - 8/18/17

August 18th, 2017 at 01:39 pm

Celebrations for this update:
-$1035.26 paid off in the last 2 weeks!
-Total debt went under the next $1000 mark for the 5th update in a row!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $8,153.68
Mom Loan #2 $19,602.46
MO Mortgage $84,474.75
My Mortgage $151,400.00
Our Mortgage $248,255.28
Total = $511,886.17

Down $1035.26 in the last 2 weeks!!

Starting total was $587,351.27
$75,465.10 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2190 in a savings account to pay off the Mom Loan, so the amount we still owe that is $17,412.46.

Back from Vegas! - Debt Update 8/4/17

August 8th, 2017 at 08:56 am

We are back from Vegas! We didn't win big, but we didn't get our booties kicked either. Our flights, 7 day hotel stay (and our families rooms as well), lots of food, about $300 in gaming, poolside cabana (and $1000 poolside food/alcohol bill) were all comped. It was nice to be able to share some of our comps with my inlaws as well as they are always willing to help us out with watching our puppy girls. We also had a limo ride to and from the airport, a fancy BD dinner at Paris for my SIL's 21st BD, a ride on the High Roller, zipline on Fremont St., a tour of the Mob Museum, some of our group also went to The Blue Man Group, some to Penn and Teller, and my fave was Cher Concert on the last night! It was a great trip and had a lot of fun with hubby and his family. We probably won't go back this year, but we don't have kids so sometimes we go impromptu, so we shall see. With the amount we played through we will be able to get free rooms, etc for the rest of 2017 and 2018 as well.


Now on to financial business! We are right on track to be able to pay off the Mom Loan in Dec. We "could" pay it off now, but we need to have enough to pay off the loan, have our renters deposits in savings in case someone moved out, and have a little EF. Total we need is about $21,750, right now we have about $17K so we need to save another $5K by Dec. That would be a fabulous paydown, and we would blow past the $500K mark. I can't wait! So time to put our nose to the grindstone and get that last bit into savings!


Celebrations for this update:
-$681.14 paid off in the last 2 weeks!
-Mom Loan went under the next $1000 mark and under $20K!!!!!
-Total debt went under the next $1000 mark for the 4th update in a row!


Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $8,268.52
Mom Loan #2 $19,602.46
MO Mortgage $84,656.75
My Mortgage $151,750.00
Our Mortgage $248,643.70
Total = $512,921.43

Down $681.14 in the last 2 weeks!!

Starting total was $587,351.27
$74,429.84 paid off since 6/19/15 (including downpayment on house)!!!!!

We have $2115 in a savings account to pay off the Mom Loan, so the amount we still owe that is $17,487.46.


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