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Re: 2021: The Official YNAB Savings Challenge Oh boy, oh boy, oh boy!!! I'm so excited to be in this challenge! Over the past couple years we paid off everything but our mortgage so now it's time to beef up the emergency fund,…
- Whiskey Mama
- Whiskey_Mama
- 9 mths ago
- 2
- Join A Challenge
- Reported - view
Re: What did you do to improve your finances today? We just paid off our last debt (besides the mortgage) and are going to concentrate on retirement savings in 2021, so I just upped my contribution to 44% of my pay..…
- Whiskey Mama
- Whiskey_Mama
- 10 mths ago
- 9
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown @Debtectomy this is my favorite post of the year!! Thanks for the laugh ;) PS - shots of whiskey are always a plus!
- Whiskey Mama
- Whiskey_Mama
- 10 mths ago
- Join A Challenge
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Re: The Official 2020 Debt Smackdown Last check in for the year, and hopefully the last time I participate in the Debt Smackdown challenge! We paid off our 2nd mortgage and now just have our 1st mortgage with a balance of $56,000 @ 3.…
- Whiskey Mama
- Whiskey_Mama
- 10 mths ago
- 11
- Join A Challenge
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Re: The Official 2020 Debt Smackdown So excited I just confirmed our 2nd mortgage is PAID OFF!! This was supposed to happen in May, but my husband had knee replacement surgery the end of January and then COVID hit.…
- Whiskey Mama
- Whiskey_Mama
- 11 mths ago
- 6
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Re: today is the first time in 5 years I've had more than $4 left in my account the day before payday Well done! It's a great feeling, isn't it?!!
- Whiskey Mama
- Whiskey_Mama
- 11 mths ago
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown @Sweet Tangerine as long as you are a month ahead and keep at least $1,000 in emergency funds, I would go ahead and pay down that student loan. This comes from my previous Dave Ramsey mentality but…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 1
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Re: The Official 2020 Debt Smackdown @zoebby wow - congrats!! You're doing great :)
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- Join A Challenge
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Re: The Official 2020 Debt Smackdown @farfromtheusual thank you. No doubt this pandemic has added to the stress and depression many feel. Thanks for the kind words and the hug - I needed that!
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 2
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Re: The Official 2020 Debt Smackdown We are about to get kicked in the teeth. I'll spare you all the details but let's just say a family situation is brewing that will require a substantial amount of our financial assistance.…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 2
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Re: The Official 2020 Debt Smackdown We are finally able to resume our debt smashing adventure and made some great headway this month! Feels good to see the 2nd mortgage under $10k. Not sure we will meet our initial 2020 goal this year,…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 3
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- Reported - view
Re: What did you do to improve your finances today? I pulled my head out of my arse today! We started this year with my hubby's knee replacement surgery and were buffered and all set to kick our 2nd mortgage debt to the curb once he returned to work,…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 7
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown The original plan was to have the 2nd mortgage paid off by this month. A knee replacement and worldwide virus later, here we are. But the good news is that we reached a milestone on each debt - 1st…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 3
- Join A Challenge
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Re: What did you do to improve your finances today? @Sea Green Griffin Stick with it, stick with it, stick with it!!! You will not regret it! Welcome :)
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown My hubby has recovered from his knee replacement surgery and went back to work last week - yay! Great that he's an essential employee, not great that they've had numerous cases at his work place…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 8
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Re: The Official 2020 Debt Smackdown We are still in budget lock down mode with hubby's knee replacement recovery. He's doing fantastic and hopes to go back to work later this month. Till then,…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 6
- Join A Challenge
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Re: The Official 2020 Debt Smackdown @Faness thank you! :)
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 1
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Re: The Official 2020 Debt Smackdown @MXMOM so true! haha
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
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Re: The Official 2020 Debt Smackdown My hubby had a total knee replacement last week. This week will be our first without his regular pay check. I received a raise and bonus from my job in January so we have beefed up our emergency…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 6
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Re: Kind of a win?? Well done!
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown @Veronica thank you :)
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
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Re: The Official 2020 Debt Smackdown Hello 2020! After conquering 2019 and paying off my car 3 years early, this year our goal is to pay off the 2nd mortgage we took out 5 years ago on a 10 year note.…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 5
- Join A Challenge
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Re: The Official 2019 Debt Smackdown @Move Light Sound Life amazing, way to go!!
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 2
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Re: 850! It's possible! @nolesrule I worked over 30 years in mortgage and auto financing. While your standard FICO score is a good gauge as to your credit health, each lender I've ever worked for used proprietary scoring…
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- YNAB Wins
- Reported - view
Re: The Official 2019 Debt Smackdown @Grey Tux wow, great job!!
- Whiskey Mama
- Whiskey_Mama
- 1 yr ago
- 1
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Whiskey_Mama

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