Without further ado...the naked spectral figure of my debt:
Credit Card #1: $3262.64
Credit Card #2: $4377.60
Credit Card #3: $1270.01
Subtotal: $8910.25
Auto Loan: $14336.79
Undergrad Loan #1: $1508.57
Undergrad Loan #2: $9414.82
Subtotal: $25260.18
Total debts: $34170.43
Saturday, December 5, 2009
The State of Things
Well, the $10 per week thing didn't work so well. Neither did the $20 per week thing. It's just a wee bit too restrictive right now. But I haven't spent any money on credit cards!
We haven't really been going out much anyway. We spent Thanksgiving with Carrot's family. I've been studying for finals, so mostly I just spend money on lunch.
We haven't really been going out much anyway. We spent Thanksgiving with Carrot's family. I've been studying for finals, so mostly I just spend money on lunch.
Newest Art
Loved this, bought it at the Delray Art Festival. $95 - with a hand-drawn detail of one of the butterflies. Definitely worth it every penny.
Check out the artist's website: http://www.echo-x.com
Tuesday, November 24, 2009
Friday, October 30, 2009
Date Night #2
Last Saturday, we went to a place in Boynton Beach called Phyllis G's Enigma - we had a 25% off coupon and had never been. The entrees were pricier than we expected, but we didn't want the same thing, so we couldn't share.
So, I used part of my $20 discretionary allowance (from the previous two weeks) to get myself what I really wanted, snapper francese and a glass of sangria. Carrot had a burger and a beer. The sangria was really good, but I'm sticking with water next time. It's just not worth the money.
We did join their mailing list, and I just got an email with some early bird specials (buy one, get one free). We'll definitely go back - the food was awesome and it's a really cute place. Apparently, the usual (older) crowd starts to shuffle in around 6. You've been warned.
Then we went to Goodwill - I resisted the temptation to buy a super cute coat (one that would be perfect in my New York fantasy life, but is next to useless in my Florida reality life) and a couple of purses. Instead, I bought a canvas tote with a Hindi tobacco advertisement on it. Carrot got a tacky Hawaiian shirt and a random tie for her Halloween costume.
The bottom line:
Sangria: $5
Stella: $4.25
Snapper Francese: $18
Burger: $10
Total (after tax, discount, and tip): $37.76
Tote bag: $0.99
Hawaiian shirt: $2.49
Tie: $1.49
Total: $4.97
Date night this week cost...$42.73. Not bad.
So, I used part of my $20 discretionary allowance (from the previous two weeks) to get myself what I really wanted, snapper francese and a glass of sangria. Carrot had a burger and a beer. The sangria was really good, but I'm sticking with water next time. It's just not worth the money.
We did join their mailing list, and I just got an email with some early bird specials (buy one, get one free). We'll definitely go back - the food was awesome and it's a really cute place. Apparently, the usual (older) crowd starts to shuffle in around 6. You've been warned.
Then we went to Goodwill - I resisted the temptation to buy a super cute coat (one that would be perfect in my New York fantasy life, but is next to useless in my Florida reality life) and a couple of purses. Instead, I bought a canvas tote with a Hindi tobacco advertisement on it. Carrot got a tacky Hawaiian shirt and a random tie for her Halloween costume.
The bottom line:
Sangria: $5
Stella: $4.25
Snapper Francese: $18
Burger: $10
Total (after tax, discount, and tip): $37.76
Tote bag: $0.99
Hawaiian shirt: $2.49
Tie: $1.49
Total: $4.97
Date night this week cost...$42.73. Not bad.
Tuesday, October 27, 2009
Credit Card Paid Off
Just paid off my Navy Federal Credit Union credit card...woohoo! One ($633.24) down, four ($10612.05) to go.
Saturday, October 24, 2009
The Debt Snowball
While I wouldn't call myself a Dave Ramsey fan, I certainly respect the message and the implementation that seems to be working for many people.
I think the debt snowball is a great idea, however. It goes like this: 1) you figure out how much a month you can pay towards your debt - let's say, just credit cards (although it could be anything). 2) List all of your debts, the amount, the interest rate, and the minimum payment. 3) Pay the minimum payment towards each debt except the debt at the lowest dollar amount. Throw the rest of your debt-paying money at that lowest debt, until it's paid off. Then move on to the next one. Here - check out this better explanation.
This spreadsheet (you have to download it) is great. I highly recommend it. There is also a video that explain how to use it, which is not necessary but is helpful.
I think the debt snowball is a great idea, however. It goes like this: 1) you figure out how much a month you can pay towards your debt - let's say, just credit cards (although it could be anything). 2) List all of your debts, the amount, the interest rate, and the minimum payment. 3) Pay the minimum payment towards each debt except the debt at the lowest dollar amount. Throw the rest of your debt-paying money at that lowest debt, until it's paid off. Then move on to the next one. Here - check out this better explanation.
This spreadsheet (you have to download it) is great. I highly recommend it. There is also a video that explain how to use it, which is not necessary but is helpful.
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