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Re: The Official 2020 Debt Smackdown It's been a very long time since I checked in! I didn't even realize it had been 3-4 months! Since my last check in, I've put over 3k toward my debt. I've been able to maintain my positive net worth,…
- SiruhTheSantas
- siruhthesantas
- 2 mths ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown I haven't posted any updates here in a few months. But I have PHENOMENAL news. For the first time in 3 years, my net worth is ABOVE zero. While I haven't officially paid off my debt,…
- SiruhTheSantas
- siruhthesantas
- 4 mths ago
- 11
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown April has been full of both good and bad news. Good news - $500 towards my bulk debt, bringing that down to 3.9k. Bad news is I just got word that I'm being 0-houred.…
- SiruhTheSantas
- siruhthesantas
- 7 mths ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown My word of the month for March 2020 is gonna be "oof." I backslid quite a bit this month - ~$400 - mostly due to unexpected expenses (that I probably should have expected) and, of course, the 'Rona.…
- SiruhTheSantas
- siruhthesantas
- 8 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown I've been dreading my February check in for a while now, as it was a particularly expensive month for me. $160 on a 6 month supply of Flea/Tick/Heartworm for my dog,…
- SiruhTheSantas
- siruhthesantas
- 9 mths ago
- 7
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown This is technically a week early, but I'm gonna go ahead and just do my January check-in now because my last major paycheck (from my main job) is in for the month.…
- SiruhTheSantas
- siruhthesantas
- 10 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown After lurking for an hour this evening so I could make sure I got my lucky number (#44) I am ready to start my 2020 debt smackdown! My goal is to pay off the $4680 left on my balance transfer card.…
- SiruhTheSantas
- siruhthesantas
- 11 mths ago
- 7
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown I finally put my last debt payment for 2019 into the spreadsheet and I am absolutely flummoxed to find out that I actually paid 42% of my goal! I backslid a lot and ended up adding in debt,…
- SiruhTheSantas
- siruhthesantas
- 11 mths ago
- 8
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Okay. A slightly late November update. I spent all month dreading making this post because I didn't want to admit I'd failed my November goal. Basically,…
- SiruhTheSantas
- siruhthesantas
- 11 mths ago
- 7
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown I had to buy a new pair of tires this month, but the good news is that I was able to float the entire $320 by pulling the money I was going to put towards extra debt payments this month.…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 5
- Join A Challenge
- Reported - view
Re: Breaking the YNAB Addiction Basically in line with what everyone else is saying - I was checking constantly when I started, but as my budget became more controlled and I became less worried about not having enough money for x,…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @Mx Emmin Some people prefer to just list all their debt knowing it's unrealistic that it'll all get paid off, but wanting to see the big picture. Some prefer to be more conservative and only list…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @Aquamarine Storm I know this isn't technically how YNAB is supposed to work, but I also hate those reds/oranges. Are you using credit cards right now? My workaround (and again,…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @Mx Emmin It's never too late to join :) Good luck on your personal Debt Smackdown!
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown September Check-in time! I was again only able to put $81 towards my bulk debt. BUT I was 1)able to afford a $300 expense without adding more debt, and 2) my net worth went up by $300!…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 9
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown August has been my best month so far! According to my reports, I've knocked out almost $500 of debt this month!! I'm honestly stunned. I've been trending downward since March (though technically I…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 6
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Does anyone else anxiously await their paychecks so they can make debt payments? Like I've gotten the hang of keeping within my budget (for the most part) but I almost feel like my brain is always…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 8
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @MXMOM I'm also using my credit cards for most of my spending (for those wonderful rewards points haha), so maybe that's why my net worth is always so painful to look at. Do you use undebt.…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown For what feels like the first time, I have good news to report! Okay, it's like good in the technical sense, and I'm happy to take any wins I can at this point!…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 7
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Partial Check-in for July. I've paid the minimum for the month on the Balance Transfer card that holds the bulk of my debt, so that's $84 into the pot. I'm still around 1.…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 7
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown June was supposed to help me recover from May, but I ended up needing a lumpectomy for a benign (but fast growing) tumor in my breast. Plus I switched to days so now I need to pay someone to watch…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 9
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown May Check In: I'm backsliding, HARD. Reading some other people's struggles on this post has helped me come to terms with the fact that sometimes life is just hard.…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 8
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Okay! I'm back in saving mode. I completed a balance transfer of all my debt, and backslid somewhat while moving house. My total debt was $6000.18 at the beginning of this month (old debt +…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 6
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Alright. Big ol' goose egg this month for my debt contribution. I went through a move this month, and needed to have a 1.5 months of rent ready in a period of about 2 and a half weeks.…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 8
- Join A Challenge
- Reported - view
Handling a Balance Transfer
Alright, so after scouring these forums and polling family/friends for advice, I decided to go ahead and open a balance transfer CC account (0% APR for 21 months).…
- SiruhTheSantas
- siruhthesantas
- 1 yr ago
- 9 replies
- 522
- Credit Cards & Debt

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