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Re: The Official 2019 Debt Smackdown
End of February Check-in: I paid all the debt I set out to pay this month. Used the card and have already paid all the cleared balance back to date. I'm 13.92% towards meeting my goal for this year.
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
5
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Re: The Official 2019 Debt Smackdown
January Check-In: This month I have paid $811.78 toward principal ($1029.52 to P+I). I am paying $90 extra on one of my loans to finish faster. I plan to have this paid off by end of the year.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
Re: The Official 2019 Debt Smackdown
@Veronica at YNAB thank you! That's true. If it was me I'd probably try to hold off a little longer. Which is probably not a good thing either.
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
1
Join A Challenge
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Re: The Official 2019 Debt Smackdown
@Kombucha Kid I'm not in the US. But the public hospital here is terrible. Cheaper but you'll wait hours for someone to even see you and then hours to get a bill.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
Join A Challenge
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Re: The Official 2019 Debt Smackdown
@Kombucha Kid They do but unfortunately not with my son's employer and my son is on his insurance. If he was on mine they would. It's just silly. And the insurance company claims they process your…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: The Official 2019 Debt Smackdown
so sad right now, had a trip to A&E with my son and (he's doing good now) but the bill was more than I have available in my medical category. Good part is that we will get refunded a portion by the…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
Re: The Official 2019 Debt Smackdown
Hello to my fellow 2019 Debt Ninjas! Since starting to pay down my debt, I have paid off: $ 14,575.79 . Original Debt (not including house) was $42,592.78. That's a progress of 34.22%.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
@slightlysmall This is awesome! Congrats.
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
This is my last check in for the year. I am pretty happy right now. we got a new bed and a lot of stuff for our house this year and everything has been paid for by bonuses,…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
8
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
This month's progress toward debt pay off wasn't as much as I expected. However, in the side of saving (for true expenses and recurring expenses) we have improved and so I don't feel as bad there.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
@MartyH Thank you! I realise that I need to cut myself some slack and focus on the good I have achieved. Like paying 1/2 what I expected to spend on school supplies for my older kid,…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
Before my monthly update... let's reflect. I have been using YNAB for a whole year now and wanted to share what I learnt so far. Lessons learnt in my 1st year of YNAB:…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: Turning future transactions into goals (feature request?)
Really hoping that they do this! I just submitted a feature request for it too.
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
1
Using YNAB
Reported - view
Re: The Official 2018 Debt Smackdown
August Check-In: We have paid off 21.86% of our total debt (total as at start of this year). Since starting to consciously tackle our debt, we have paid off 31.07%.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: What did you do to improve your finances today?
@Winterlover sorry, I missed your reply. Savings for the hubs retirement. My work has a pension plan but not his. We also recently changed internet providers.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
YNAB Wins
Reported - view
Re: Drawing up a contract for college tuition
I like the idea of this contract to set your expectations and make it clear to him under what terms you are willing to pay for his college. I also like the ideas of those who contributed here.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
1
Parenting
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Re: The Official 2018 Debt Smackdown
@Gold Mixer Awesome! Welcome
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
1
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
@Violet Tape It's never too late to start and anyone can join anytime. Last year I decided to start paying off debt in like Oct. By end of the year I had knocked off my smallest debt and was on to…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
Re: Negative amount in Budgeted column-Why?
@Ryan Hipp Yes, sorry this is what i do. Actually, sometimes I cheat. IF I have extra funds and don't really need it in that category & I don't want my YNAB to nag me to put it back & I have to use…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Tips & Tricks
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Re: Savings account with College Savings on or off budget?
@nolesrule Thanks so much for the advice. Actually, both my children have separate savings accounts which are not included in my budget or even in YNAB.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
1
Setting Up Your Budget
Reported - view
Re: Savings account with College Savings on or off budget?
@mamster haha. There is no such things as "risk-free" here BUT the local financial industry is pretty safe. I work at a local bank, so I would know. However,…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
Setting Up Your Budget
Reported - view
Re: Savings account with College Savings on or off budget?
Thank's for the reply. I was thinking about that too, the goals and because I would like to have other "categories" saved for in the account too. I need to save about $40K between now and the last…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
Setting Up Your Budget
Reported - view
Savings account with College Savings on or off budget?
I haven't done this yet, but I have an old account at my credit union that offers between 4-7% interest per annum (you don't really know until their AGM).…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
8
replies
355
Setting Up Your Budget
Re: The Official 2018 Debt Smackdown
@WairereRose You're doing great. My debt free journey started last year and honestly I only paid off 1 item. This year I am definitely gonna get 2 done.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
2
Join A Challenge
Reported - view
Re: The Official 2018 Debt Smackdown
This month has been a good month. 1) I managed to pay almost 3x my normal monthly payment towards principal for my credit card and it almost below 1000.…
kayjenx
Debt Ninja Trainee
kayjenx
2 yrs ago
3
Join A Challenge
Reported - view
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kayjenx
kayjenx
Debt Ninja Trainee
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