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Re: The Official 2021 Debt Smackdown May EOM Check-in: Banner month! Focus CC payments : $2,500.00 + interest, $7,899 balance . 44.54% progress! Total Debt: $55,546 (including car and mortgage) CC-free date: October 2021 Recap:…
- mandiferous
- mandiferous
- 3 wk ago
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Re: The Official 2021 Debt Smackdown @MoneyMonster Same -my eating out budget got totally blown when I got invited to a cookout and had to bring premade stuff due to time constraints at the event. But... cookout!! Friends!!
- mandiferous
- mandiferous
- 3 wk ago
- 2
- Join A Challenge
- Reported - view
Re: 2021 Age Of Money Challenge January AOM: 22 February AOM: 37 March AOM: 49 April AOM: 53 May AOM: 44 Age of money took a bit of a hit this month, as expected with the mortgage payments restarting. Plus...…
- mandiferous
- mandiferous
- 3 wk ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @TickTock Yepppp I'm doing the same - trying to get this credit card paid off before I have to add on my student loan payment! You're so close!
- mandiferous
- mandiferous
- 1 mth ago
- 2
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Re: The Official 2021 Debt Smackdown @Lauren woo!! That's huge!
- mandiferous
- mandiferous
- 1 mth ago
- 1
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Re: Looking for True Expenses ideas @The Artist Formerly Known As Ah - congrats on being a new furparent! It's totally worth it, but if I could go back in time, preparing for pet emergency expenses is definitely one of the…
- mandiferous
- mandiferous
- 1 mth ago
- 2
- Saving & Investing
- Reported - view
Re: Living Within Your Means YNAB Style @Annieland Hah! Still quite a YNAB newbie myself (started at the end of 2020) so I have plennnty of time to keep changing my habits until I reach my final Budget Curmudgeon Form.
- mandiferous
- mandiferous
- 1 mth ago
- 5
- Using YNAB
- Reported - view
Re: Looking for True Expenses ideas Oooh, here are a few: Pet vet expenses! Both annual check-ups and emergency visits. Gifts and charitable contributions, as well as miscellaneous spending like clothing, housewares, etc,…
- mandiferous
- mandiferous
- 1 mth ago
- 1
- Saving & Investing
- Reported - view
Re: Living Within Your Means YNAB Style @Annieland Yep, my credit score has fluctuated a lot over the years but pretty much always between 720 and 800. It doesn't mean much especially on a day-to-day basis and I'm tracking it mostly out…
- mandiferous
- mandiferous
- 1 mth ago
- 2
- Using YNAB
- Reported - view
Re: Reimbursement Questions @Loose Change I have three reimbursement categories and this works fine for me. I typically do not budget money to it prior to being charged for the expense,…
- mandiferous
- mandiferous
- 1 mth ago
- Setting Up Your Budget
- Reported - view
Re: The Official 2021 Debt Smackdown @farfromtheusual Yes!!! This is my first real budgeted vacation (I've traveled a lot but always kind of just... winged it before). Because I had specifically put money towards things like food and…
- mandiferous
- mandiferous
- 1 mth ago
- 2
- Join A Challenge
- Reported - view
Re: 2021 Age Of Money Challenge Huh. I paid most of my monthly bills today, including my new increased debt payoffs, and my AOM went up to 60. I guess I was more prepared than I thought to take on those payments :…
- mandiferous
- mandiferous
- 1 mth ago
- Join A Challenge
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Re: 2021 Age Of Money Challenge January AOM: 22 February AOM: 37 March AOM: 49 April AOM: 53 I've decided to start increasing my debt payments each month, and my covid mortgage forbearance is ending,…
- mandiferous
- mandiferous
- 1 mth ago
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @farfromtheusual yeah, I really wish undebt.it would give you the option of incorporating the interest into your payment schedule. It's a common YNAB strategy and they otherwise are really well…
- mandiferous
- mandiferous
- 1 mth ago
- 1
- Join A Challenge
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Re: The Official 2021 Debt Smackdown @Gnarwhal yikes, that's weird and shady of them. I don't (AFAIK) have a limit for debt transfers on my focus debt, but am taking a similar approach with flexibility.…
- mandiferous
- mandiferous
- 1 mth ago
- 2
- Join A Challenge
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Re: The Official 2021 Debt Smackdown April EOM check-in: Focus CC payments : $866.67 + interest, $10,399 balance. 26.99% progress! Total Debt: $58,318 (including car and mortgage) CC-free date: November 2021 Recap:…
- mandiferous
- mandiferous
- 1 mth ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Turquoise T-Rex Wooo!!! congrats on the spouse's student loan payoff! And on making a debt payoff change that feels better for you emotionally :)
- mandiferous
- mandiferous
- 2 mths ago
- 2
- Join A Challenge
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Re: The Official 2021 Debt Smackdown Plus I sent in my April CC payment, bringing that account to $10,399.99. Tantalizingly close to four digits...
- mandiferous
- mandiferous
- 2 mths ago
- 6
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown AaAHhhhHHH reimbursement check arrived today!! They paid for over 75% of the bill, and because I was able to cover my car maintenance TE and the upcoming brake replacement through the escrow…
- mandiferous
- mandiferous
- 2 mths ago
- 4
- Join A Challenge
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Re: The Official 2021 Debt Smackdown @Heidi F mental health is so important to prioritize right now, and minimum payments are still progress. Happy upcoming birthday and I hope next month is lovely for you!
- mandiferous
- mandiferous
- 2 mths ago
- 2
- Join A Challenge
- Reported - view
Re: 2021 Age Of Money Challenge Alright, I've joined! Line 39. Started YNAB at the very end of 2020 but didn't have an AOM until January. I started with a fair bit of buffer in my bank account so as of March EOM, I'm at 49 days.…
- mandiferous
- mandiferous
- 2 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Salmon Motherboard WOOHOO!!!!! Amazing 🎉
- mandiferous
- mandiferous
- 2 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Purple Foal I also have to replace my brakes. on a newish car, which is a frustrating setback! But getting really excited to also be down to four digits on my focus debt soon (probably May for me) :…
- mandiferous
- mandiferous
- 2 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown March EOM check-in: Focus CC payments : $866.67, $11,266 balance. 20.91% progress! Total Debt: $59,415.97 (including car and mortgage) This month was a financial rollercoaster.…
- mandiferous
- mandiferous
- 2 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Spider Plant wooooof that's a lot of interest. But congrats on being able to make such a huge dent in your loan! I'm also expecting a hefty windfall later this year and trying to take time to…
- mandiferous
- mandiferous
- 3 mths ago
- 3
- Join A Challenge
- Reported - view

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