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Debt Update - 3/1/19

March 1st, 2019 at 02:36 pm

Celebrations for this update:
-$919.33 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 8th update in a row!! This is now my longest streak!

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 $3,486.87
Mom Loan #2/#3 $34,921.06
MO Mortgage $81,020.00
My Mortgage $144,540.00
Our Mortgage $241,030.93
Total = $504,998.86

Down $919.33 in the last two weeks!

Starting total was $613,351.27
$108,352.41 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update - 2/15/19 - Another tough month life wise

February 17th, 2019 at 01:48 pm

$1071.51 paid off in the last 2 weeks!!!

Today was Day 77 of P90X!! Tomorrow will be one month until our next trip to Laughlin, and 3 of our favorite casino friends are coming too! I would really like to lose 9 more lbs and then I will have lost 10% of my weight since giving birth. MO and I had a little side bet that if either of us loses 10% (this was over a course of 3 1/2 months) that we get extra bonus money for the trip. NINE MORE LBS.....its gonna be tough but I am trying my hardest. I worked out twice yesterday and twice today (may do another one tonight just cause it's something to do to keep my mind off of things). I know my real struggle is the eating part, specifically my terrible Coke addiction. I am only have 1 a day, but am going to try 0 tomorrow. Would be awesome if I could do no pop or alcohol till the trip, but I love my Coke!


February has been another tough month as the twins were "due" 2/22/19. The best man at our wedding had his 3rd child a few days ago and when we had found out that both wives were pregnant and due dates were so close we were so excited for our kids to grow up together and be best buddies. I feel terrible that I had to unfollow both of them on FB because I can't handle seeing all the new baby pics. I broke down yesterday while I was on the treadmill and couldn't stop crying, one of my poor puppy girls tried to climb on and comfort me and ate it hard. So I sat down and she attacked me with kisses. So thankful for my husband and my puppers.

MO and I had a nice weekend in Deadwood last weekend. I had lots of good hits and bonuses and lots of drinks. It was great to get away and enjoy each other with out all the normal distractions. I ended up $100 ahead but MO lost (it's usually the other way around), but overall a cheap getaway.

Celebrations for this update:
-$1071.51 paid off in the last 2 weeks!!
-Rental #2 went under the next $1000 mark!!
-Total Debt went under the next $1000 mark for the 7th update in a row!! This is tied for my longest streak!


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 $3,605.30
Mom Loan #2/#3 $35,461.96
MO Mortgage $81,020.00
My Mortgage $144,800.00
Our Mortgage $241,030.93
Total = $505,918.19

Down $1071.51 in the last two weeks!

Starting total was $613,351.27
$107,433.08 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update as of 2/1/19

February 1st, 2019 at 01:25 pm

$708.25 paid off in the last 2 weeks!!!

We were just short of getting under the next $1000 mark on this update, so I paid an extra $50 on Rental #2 Mortgage to get us under that mark again!

Celebrations for this update:
-$708.25 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 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 $3,723.64
Mom Loan #2/#3 $35,461.96
MO Mortgage $81,210.00
My Mortgage $145,150.00
Our Mortgage $241,444.10
Total = $506,989.70

Down $708.25 in the last two weeks!

Starting total was $613,351.27
$106,361.57 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update as of 1/18/19

January 21st, 2019 at 08:35 am

So glad the blogs are back up!


$1069.91 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1069.91 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 $3,841.89
Mom Loan #2/#3 $36,001.96
MO Mortgage $81,210.00
My Mortgage $145,200.00
Our Mortgage $241,444.10
Total = $507,697.95

Down $1069.91 in the last two weeks!

Starting total was $613,351.27
$105,653.32 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update 1/4/19

January 4th, 2019 at 08:16 am

$657.16 paid off in the last 2 weeks!!!

Celebrations for this update:
-$657.16 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 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 $3,960.05
Mom Loan #2/#3 $36,001.96
MO Mortgage $81,400.00
My Mortgage $145,550.00
Our Mortgage $241,855.85
Total = $508,767.86

Down $657.16 in the last two weeks!

Starting total was $613,351.27
$104,583.41 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update - 12/21/18

December 26th, 2018 at 02:21 pm

$1099.02 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1099.02 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 $4,078.11
Mom Loan #2/#3 $36,541.06
MO Mortgage $81,400.00
My Mortgage $145,550.00
Our Mortgage $241,855.85
Total = $509,425.02

Down $1099.02 in the last two weeks!

Starting total was $613,351.27
$103,926.25 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update as of 12/7/18

December 10th, 2018 at 07:56 am

$656.08 paid off in the last 2 weeks!!!

Celebrations for this update:
-$656.08 paid off in the last 2 weeks!!
-Mom 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 $4,196.08
Mom Loan #2/#3 $36,541.06
MO Mortgage $81,620.71
My Mortgage $145,900.00
Our Mortgage $242,266.19
Total = $510,524.04

Down $656.08 in the last two weeks!

Starting total was $613,351.27
$102,827.23 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update - 11/23/18

November 28th, 2018 at 11:49 am

I am working on getting caught up with our financial tracking. Here is our debt update from 11/23/18. I am grateful that we were able to keep making all of our payments as normal while I was out of work for 3 weeks and MO was out of work for 2 weeks. Small favors...right??

$1076.72 paid off in the last 2 weeks!!!

Celebrations for this update:
-$1076.72 paid off in the last 2 weeks!!
-My 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 $4,313.96
Mom Loan #2/#3 $37,079.26
MO Mortgage $81,620.71
My Mortgage $145,900.00
Our Mortgage $242,266.19
Total = $511,180.12

Down $1076.72 in the last two weeks!

Starting total was $613,351.27
$102,171.15 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update - 11/9/18

November 28th, 2018 at 11:44 am

I am working on getting caught up with our financial tracking. Here is our debt update from 11/9/18.

$655.02 paid off in the last 2 weeks!!!

Celebrations for this update:
-$655.02 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 $4,431.75
Mom Loan #2/#3 $37,079.26
MO Mortgage $81,820.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $512,256.84

Down $655.02 in the last two weeks!

Starting total was $613,351.27
$101,094.43 paid off since 6/19/15 (including downpayment on house and adding new truck loan)!!!!!

Debt Update - 10/26/18

October 26th, 2018 at 09:33 am

Not much of a decrease this time as only our two smallest payments were on this paycheck. Next update will be a really good one though!

$317.61 paid off in the last 2 weeks!!!

Celebrations for this update:
-$317.61 paid off in the last 2 weeks!!
-MO 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 $4,549.45
Mom Loan #2/#3 $37,616.58
MO Mortgage $81,820.71
My Mortgage $146,250.00
Our Mortgage $242,675.12
Total = $512,911.86

Down $317.61 in the last two weeks!

Starting total was $613,351.27
$100,439.41 paid off since 6/19/15 (including downpayment on house)!!!!!

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)!!!!!