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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
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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
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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
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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
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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
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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
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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
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- 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
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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
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- 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
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- 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
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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
- Reported - view
Re: The Official 2018 Debt Smackdown @Gold Mixer Awesome! Welcome
- kayjenx
- Debt Ninja Trainee
- kayjenx
- 2 yrs ago
- 1
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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
- Reported - view
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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