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Re: The Official 2021 Debt Smackdown
I'm back for 2021 and on line 36. Last year was my first year of the Debt Smackdown and I was able to knock out almost $14k in principal (in addition to ~$4.5k in interest...OW!).…
Gfamily46
Forest_Green_Python.5
2 wk ago
6
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Re: The Official 2020 Debt Smackdown
Last update of 2020! What a year it has been. I must say that YNAB has really saved our butts in 2020. We easily weathered a heat pump failure and my husband quitting his job in October and somehow…
Gfamily46
Forest_Green_Python.5
2 wk ago
4
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Re: The Official 2020 Debt Smackdown
November check-in, but wow, I can't believe it's December already! Where did the year go? As per last month's wish, it was a pretty financially uneventful November.…
Gfamily46
Forest_Green_Python.5
1 mth ago
4
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Re: The Official 2020 Debt Smackdown
@farfromtheusual He finally saw that it just wasn't worth it anymore. I could, and often did, tell him that until I was blue in the face, but his first priority has always been to take care of the…
Gfamily46
Forest_Green_Python.5
2 mths ago
1
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Re: The Official 2020 Debt Smackdown
Whoo boy, October was quite a whirlwind and it threw us for a huge loop. My husband's workplace has been extremely toxic for a long time and honestly, it was breaking his spirit.…
Gfamily46
Forest_Green_Python.5
2 mths ago
3
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Re: The Official 2020 Debt Smackdown
Here we go for September. It's really nice to see the progress as I look back on the year so far, almost 12k in principal eradicated. Whew! And the fact that an additional 3.…
Gfamily46
Forest_Green_Python.5
3 mths ago
3
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Re: The Official 2020 Debt Smackdown
A little late on the check-in, but August was a pretty good month. Now that we're in September, I went ahead and just made the final payment on Car Loan 1...…
Gfamily46
Forest_Green_Python.5
4 mths ago
4
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Re: The Official 2020 Debt Smackdown
@farfromtheusual Thanks! If the dental school takes me, I'm hoping that can save me 3k or more. I hope your BF is all recovered now. TBH, I have no worries about the pain,…
Gfamily46
Forest_Green_Python.5
5 mths ago
1
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Re: The Official 2020 Debt Smackdown
July check-in time! Somewhat uneventful month when it comes to unplanned stuff, but hey, I'll take it. The most exciting thing is a stupid problem child molar that I need to get pulled later this…
Gfamily46
Forest_Green_Python.5
5 mths ago
3
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Re: The Official 2020 Debt Smackdown
@farfromtheusual Thank you! One step forward at a time. Just found out the car repair is going to be $800 (the bearings are shot in the water pump, so it definitely needs to be replaced),…
Gfamily46
Forest_Green_Python.5
6 mths ago
2
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Re: The Official 2020 Debt Smackdown
June check-in and here we go! This month, I've needed a good kick in the pants to start focusing on accomplishments instead of shortcomings. So last month was when our heat pump died and we had a…
Gfamily46
Forest_Green_Python.5
6 mths ago
4
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Re: The Official 2020 Debt Smackdown
May check-in! Whew, what a month. So throwing my husband's deferred student loan payment and our $300 monthly snowball into a temporary EF proved to be a life-saver.…
Gfamily46
Forest_Green_Python.5
7 mths ago
5
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Re: The Official 2020 Debt Smackdown
April check-in: So in light of the school loan 0% interest thing until September, my husband and I decided last month to still keep budgeting out for the regular school loan payment + extra $300…
Gfamily46
Forest_Green_Python.5
8 mths ago
4
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Re: The Official 2020 Debt Smackdown
@farfromtheusual Yes there are!
Gfamily46
Forest_Green_Python.5
9 mths ago
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Re: The Official 2020 Debt Smackdown
March update - 28.17% done. In a time of such uncertainty for many, my husband and I are incredibly fortunate that we both work in high-demand industries.…
Gfamily46
Forest_Green_Python.5
9 mths ago
2
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Re: The Official 2020 Debt Smackdown
Full February update now that my last debt payment of February processed. Both of my credit cards are paid off! And no more need to put anything but my husband's business expenses on there,…
Gfamily46
Forest_Green_Python.5
10 mths ago
2
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Re: The Official 2020 Debt Smackdown
Hey guys, total February redo. I was getting way too caught up in interest vs. principal and I felt like my numbers were all off. I took some time today to organize and redo my debt spreadsheet.…
Gfamily46
Forest_Green_Python.5
11 mths ago
5
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Re: The Official 2020 Debt Smackdown
Long post alert!! Guys, I forgot how satisfying it is to pay off a bill where the money is already allocated. 🤗 I didn't make the bill I paid yesterday part of the debt smackdown because it's a…
Gfamily46
Forest_Green_Python.5
11 mths ago
5
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Re: The Official 2020 Debt Smackdown
@Purple Foal Heck yeah! I do have undebt.it , but there was a problem with the YNAB sync that got resolved either yesterday or today. So I just need to import and clean everything up over there and…
Gfamily46
Forest_Green_Python.5
11 mths ago
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Re: The Official 2020 Debt Smackdown
January check-in here. Making slow but steady progress! Personal loan (credit card consolidation) - starting balance of $33408.28. I committed to paying $10000 of this in 2020,…
Gfamily46
Forest_Green_Python.5
11 mths ago
3
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Re: Automatic transfers to separate accounts
Good idea with the paid in full CC -- we do have a few at a $0 balance (hopefully keeping our debt-to-income in a good spot), so no worries there. Thanks again @dakinemaui!
Gfamily46
Forest_Green_Python.5
11 mths ago
Using YNAB
Reported - view
Re: Automatic transfers to separate accounts
@dakinemaui Oh yeah, it's definitely my goal to move all this into our USAA checking (yeah, I know...I got REALLY account creation happy back in the day).…
Gfamily46
Forest_Green_Python.5
11 mths ago
Using YNAB
Reported - view
Re: Automatic transfers to separate accounts
@dakinemaui Thanks! That's what I suspected and I do have categories for them. So basically, I'm just moving the money I allocated to those categories from one place to another.…
Gfamily46
Forest_Green_Python.5
11 mths ago
Using YNAB
Reported - view
Automatic transfers to separate accounts
Hello! Okay, I've got a stumper here. So my husband and I have a main checking account through a local credit union that I use to pay our monthly expenses. His paycheck is directly deposited there.…
Gfamily46
Forest_Green_Python.5
11 mths ago
7
replies
87
Using YNAB
Re: The Official 2020 Debt Smackdown
@Faness Me too, thanks! :)
Gfamily46
Forest_Green_Python.5
1 yr ago
Join A Challenge
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Forest_Green_Python.5
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