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Re: The Official 2020 Debt Smackdown March Update: Credit card consolidation loan Starting balance: $6927.58 Current balance: $3119.15 Used auto loan Starting balance: $18,625.42 Current balance: $17,498.…
- MicroSpice
- Crazy Person
- Microspice
- 6 days ago
- 6
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown @Green Song The best way I've gotten off of that spending mindset is to use YNAB. Instead of looking at my checking account balance (or my credit card available limit - been there, done that),…
- MicroSpice
- Crazy Person
- Microspice
- 1 mth ago
- 2
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown February update: Credit card consolidation loan Starting balance: $6927.58 Current balance: $4496.57 Used auto loan Starting balance: $18,625.42 Current balance: $17,878.…
- MicroSpice
- Crazy Person
- Microspice
- 1 mth ago
- 4
- Community Challenges
- Reported - view
Re: Retirement fears I am very far from retirement, but my parents are close to your situation - not yet traditional retirement age, but only 6 years away. They had retirement savings in their 40's,…
- MicroSpice
- Crazy Person
- Microspice
- 1 mth ago
- 8
- Saving
- Reported - view
Re: The Official 2020 Debt Smackdown End of January update: Credit card consolidation loan Starting balance: $6927.58 Current balance: $5712.51 Used auto loan Starting balance: $18,625.42 Current balance: $18,248.…
- MicroSpice
- Crazy Person
- Microspice
- 2 mths ago
- 4
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown Posted this in the off-site forum ( abudgetthatworks.org ), and reposting here. The 2019 Debt Smackdown was extremely helpful for us, and we are back at it this year.…
- MicroSpice
- Crazy Person
- Microspice
- 2 mths ago
- 5
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown @Gold Song You are doing great. Life happens, and it's not a failure for anyone, not even you. You're not that much more special than the rest of us! 😉 Give yourself some time to step back and…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 4
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown March Check-In (I think I missed February - oops!) Starting Debt: $18,742.82 Current Debt: $13,445.35 Progress: $5,297.47 and 28.26% of debt goal paid I'm not entirely convinced we're going to meet…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 9
- Community Challenges
- Reported - view
Re: Future Transactions Why in particular is this setup giving you a hard time? Is it because it's "out of sight, out of mind" for you, and you don't want to "see" the money in your account?…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- Method & Budgeting
- Reported - view
Re: HOW do you get a month ahead? What am I missing? @Julie - what @Bruce said. For a long time using YNAB, my money never aged, because I was aggressively paying down debt, so all of my income was gone to paying the month's expenses,…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 2
- Tips & Tricks
- Reported - view
Re: The Official 2019 Debt Smackdown @Ruff16965 (05bd62cee897) Make sure you plan for potential tax consequences (if any). Those are always a bummer. And yay!
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 2
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown January Check-In Starting Debt: $18,742.82 Current Debt: $15,533.70 Progress: $3,209.12 and 17.12% of debt goal paid This represents a lot of front-loading,…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 6
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown @SapphireSweetie I love your approach to this uncertainty (but am still sorry you are going through it). There's a 2019 Savings Challenge on the forums as well, if you're looking for support.…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 1
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown Thank you, @BritishMuseum , for getting this set up for 2019! Your spreadsheet design skills are flawless. I am rejoining after a successful 2018 Debt Smackdown.…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 8
- Community Challenges
- Reported - view
Re: The Official 2018 Debt Smackdown I smashed my goal! We set off to pay off $8200 in consumer and medical debt this year, and as of today, we have officially paid $8,720.10. We still have such a long way to go,…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 6
- Community Challenges
- Reported - view
Re: The Official 2018 Debt Smackdown @QC That sounds amazing!!!! What a great way to start a new year.
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 2
- Community Challenges
- Reported - view
Re: YNAB Giveaway! My biggest YNAB win has been losing the shame about how I spent my money in the past and looking at today and the future as what is most important. YNAB helped me know better, so now I do better.
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 1
- Announcements
- Reported - view
Re: The Official 2018 Debt Smackdown Onward: 2018 Debt Payoff Goal: $8,200 2018 YTD Debt Payoff: $5,404.14 Progress: 65.9% The reflected progress was after consolidating credit cards and accounting for an orthodontic loan I took out at…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 4
- Community Challenges
- Reported - view
Re: Common budget and presents? @Faness This is what we do. If ManSpice buys a gift for me (he usually makes an online purchase, nixing the ability to pay with cash), he will put it on his credit card and say,…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 1
- Money & Relationships
- Reported - view
Re: The Official 2018 Debt Smackdown QUESTION TO THE DEBT PAYOFF CHALLENGE GODS: Given my change in debt payments as noted in the post above, would it be acceptable for me to: Change the debts I am paying off in the spreadsheet?…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 1
- Community Challenges
- Reported - view
Re: The Official 2018 Debt Smackdown *sigh* If you've read my journal, you'll know that I consolidated our credit cards with a loan for a term of 3 years with a 6.82% interest rate, for a grand total of $18,277.25.…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 4
- Community Challenges
- Reported - view
Re: You Know You're a YNABer when... parenting edition @Aritavashkai That is a totally legit concern and I will give you my .02 cents, based entirely on my own childhood experiences. I don't think there is anything wrong with communicating to your…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 3
- Parenting
- Reported - view
Re: You Know You're a YNABer when... parenting edition ... your kid tells her grandparents that the toy they're offering to purchase seems quite nice, but insists, "I don't think that's in the budget."
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 4
- Parenting
- Reported - view
Re: What order to pay down student loans with forgiveness? I would go after the 5% loan first, since that will never be forgiven. Go ahead and get it off your plate when you can, so that you can free up some cash flow on a monthly basis.…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 1
- Managing Debt
- Reported - view
Re: A little lost and considering Bankruptcy I hope you're still around, @Sea Green Tugboat , and getting encouragement from the forum and the other folks who have responded. I was going to suggest something similar to what @Ivory Pilot…
- MicroSpice
- Crazy Person
- Microspice
- 1 yr ago
- 2
- Managing Debt
- Reported - view

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No, really, I'm budgeting now.