The Official 2019 Debt Smackdown

Welcome to the Official* 2019 Debt Smackdown! 


Happy new year everyone! 

I know a few of use have been chomping at the bit to get going with 2019's debt - so with out further ado, I present this years spreadsheet! First of all, quick thanks to everyone on here who supported this last year, and helped make sure the Google Sheet remained in tip top shape.

So what's this about? If you are holding onto some debt as you enter 2019 - and would like to get rid of it - this challenge is for you.

To the participants from last year, welcome back! For some of us, our total debts are too large to smack down completely in one calendar year, so if you're here from last year, congratulations on your progress and let's keep on doing this! In 2018, we collectively paid down over $1,500,000 in debt! An increase of OVER $600,000 than in 2017!

For all new participants, we are happy to have you join in this year! New blood is always welcome. Let's all motivate each other to pay off those debts and continue moving forward to financial freedom.

Per last year, this is a shared one between the two forums/communities. Hopefully, that won't bring any problems! (Link to the Forum post [soon])

How it works:


1. List the amount of total debt that you owe. 
This step is to give you an awareness of your current debt situation. Feel free to share, this forum is a safe and nonjudgmental place. You can also decide to keep this information private, you don't have to post your total here if you are not comfortable doing so. 

2. Post in this thread the total amount of debt you would like to pay off during the 2019 calendar year. (This part is required.) 
Feel free to break down the amounts by credit card/type of debt. Also, if you have a specific plan or some ideas on how you plan to pay down the debt, you can post that too. Maybe your plan will spark some ideas for others on how to tackle their own debts!

3. Check in monthly in this thread and report on how your debt smackdown is going. (This part is required.)

4. Post monthly on the 2019 Google Sheet to track your progress. (This part is required.)
Claim a line on the spreadsheet, and post your total debt to be paid off, and the monthly amount that you send off towards it. Some people track their total payments and don't account for interest, some people account for principal only. The method you choose is up to you!

If you come across this challenge later in the year, no worries, you can still jump right in. Just put zeroes in the months where you had not joined the challenge yet, and start in the month you join in. 
 

Last year, we collectively paid off $1,500,000. Let's smash that number again in 2019!

Please let me know any issues with the sheet - sometimes things are a bit wonky when making new ones!

*Official in the sense that there's a spreadsheet. Not official in the sense that it's made by YNAB. I'm just following naming conventions here :)

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  • July check-in: $2938.67 paid; increased the total goal by $582.56, which was the amount we exceeded our monthly plan this month.

    Reply Like 6
  • July - First update.

    Really pleased that I've been able to make my first update to the spreadsheet :) (I only started in June)

    £357.40 paid off my credit cards, 10% of the total!

    Future months probably won't be as productive, but I love how this thread is keeping me focused.

    Reply Like 9
    • Turquoise Major It's a great motivator! Welcome to the challenge. 😄

      Reply Like 1
  • Hi all, July update:  I was able to add some extra to the payments this month so my total payment was $3052 which moved my debt freedom date up by a month.  Another bit of good news is I paid off the personal loan!!    The next to be paid off is my visa card, which should be May of 2020, so I'll have to join next year too!  LOL.

    Reply Like 11
    • Grey Tux Wahoo!!!!!!! That's progress!!

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      • Grey Tux
      • Silver_Wizard.3
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      farfromtheusual Yes!  I'm excited!  Though 1) it makes me want to go faster to pay them off but I have to make sure I maintain a balance (I have a coworker who before I got them on YNAB would go short every month and have to borrow from friends for food/etc because of paying too much debt! 😲) and 2) I'm going to be bummed when I get the "fast" ones paid off and just have the mortgage left...  My debt freedom date is Dec 2024 but if I can keep going I'll have the credit card and truck paid off in 2020.  That last is going to be a long slog....  😅  

      Reply Like 4
    • Grey Tux WOOT! Yes, being careful to not over extend on the debt repayment is really important, and only leads to more debt down the road. As a horse trainer once said 'slow and right beats fast and wrong'

      Reply Like 3
    • Grey Tux Congratulations on paying off that personal loan, and moving the end date up a whole month. Wow! 🎉

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      • Grey Tux
      • Silver_Wizard.3
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      Nicole Thanks!!  :)  

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  • July partial check-in.  3 pay month...last pay on 31st.  Made repayments of $1200 so far.  Another $1292.31 to go next Wednesday.  Payment on Weds will finalise one debt.  Then just my last debt of $2000 which I currently plan to pay over Aug/Sep/Oct $700/$700/$600.  Then should be DONE 🙂

    Am very excited that I have made it this far given a quite slower pace earlier in the year.  I am finally getting true expenses and those that you will never predict (son being invited to travel away with another high school's band trip $2500 thanks for coming) under control.   My AOM is slowly creeping up too!  20 days today....I know this will drop again, but there is an overall increase...

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      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
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      rushiec 

      Yay!  And now perhaps you'll add a Kids' Activities category if you don't have one now, esp. if they have expensive hobbies or activities.  Like band trips - now you know, you won't know how much or when they'll happen but you know there will be another one, so now you can start budgeting for them or budgetting more to the category to help reduce the "oh crud, I have to come up with how much by when?"

      Like I know middle kitten will need orthodontics.  I don't know when or how much.  But to date I have $1000 saved up.  I know my cost for orthodontics is going to be much higher, but having $1000 out of $2800 of my cost is waaaaay nicer than trying to come up with $2800 in a couple months.  If my kids played sports or anything where there's travel or other major expenses involved, my kids' activities line would be much higher than $100 a month.  But they don't do a lot of paid after-school activities so right now I don't budget more.  Like if I had them in martial arts or hockey, I'd be budgeting a lot more each month.  

      Reply Like 3
  • Off month for June - only $668 paid.  We paid hubby's car off last month which freed up a good bit of money but then we decided to adopt a dog which turned into us adopting 2 dogs.  Oops. Between the adoption fees, supplies, and the initial vet appointment at which time we found out they both have to be treated for parasites... we spent just over $1000.  Sigh.  But the really good news is that we completely cash flowed all of it.  I also cash flowed my son's birthday gifts (the sinking fund wasn't quite high enough), some household items we had been putting off getting, and my daughter's marching band payments/uniform plus managed to put away an additional $1000 for upcoming payments - additional marching band things, her summer camp deposit for next year, back to school supplies and some spending money for a weekend getaway hubby and I have planned for September.

    So, debt payoff may slow just a tad for a couple of months but with the extra cashflow from the car being paid off and August being a 3 pay month for us, I'm really anticipating being able to put some more away in sinking funds and get us in a place to really start snowballing debt again once September hits.  Our lowest balance card is at $6500 right now and my goal is to get in under $4500 by the end of the year.  My husband makes a ton of overtime November - January.  We are planning on buying some living room furniture with about half of what he typically brings in and can probably get buffered with the rest of it if we stay on this track.  

    Slow and steady progress, I guess!  

    Reply Like 4
    • Skeettafic Oh those new animals! We added a puppy to our family in February, and it had a similar impact on the budget. 😉 Slow & steady progress is fantastic, and sustainable.

      Reply Like 1
  • Checking in with final numbers for July.....

    Starting balance                                                        Ending balance

    $65,808.72                1st Mortgage                         $64,793.27 (-508.44)

    $14,160.27                2nd Mortgage                       $13,939.45 (-220.82)

    $  9,158.59                Car                                                $ 7,600.88  (-1,557.71)

    $89,127.58                                                                       $86,333.60

     

    Total debt paid down in July $2,286.97, total for 2019 $17,398.25 (66.53% of goal).  

    Reply Like 7
  • I've been working a side job and managed to pay off my third cc this month!  One left to go (Est to be paid off by Nov), and then student loans!  So exciting!  Total paid off in July = $1757.67 :) :) 

    Reply Like 11
    • Hooray! Nice job, Kim Laskey . All of your hard work is paying off!

      Reply Like 1
  • July update

    I had some extremely extensive and unexpected car repairs that came up last month. I was initially only going to fix the worst of the worst, but after thinking it through and being one day away from a major road trip to visit family, I decided I'd rather be safe than sorry and went ahead and got all the recommend repairs done. Thousands of dollars worth of repairs that are now on one of my credit cards. Which, one the one hand, because of my work to pay things down, I had available credit to even do this and I'm proud of that fact. On the other, this super sucks and has been a major punch I have to now roll with. It hasn't been a great help to my mental health, but well ... big picture, my wheels didn't fall off during my road trip and I made it safe to my family visit which was a wonderful time and c'est la vie. I've also taken this experience to officially realistically adjust my future debt pay down goals to allow for the purchase of a newer vehicle sometime in the next 1.5-2 years - fingers crossed that goes as plan, because my current car definitely hit its end of life ages ago and it nothing but a financial and safety liability at this point. It needs to be replaced.

    SO. In light of this extreme hiccup in my account balances, I'm completely changing my overall goal for this year. Instead of having a set amount (now completely unreachable) to pay off my total debt by the end of the year, I'm instead going to focus entirely on one single credit card. It's the first in my debt snowball list and I'm so close to having it gone. I've redone all my columns on the spreadsheet to reflect my payments this past year on just that card. I aim to have it to a $0 balance by the end of the year and I think I can do it! Not only will that then help get my debt snowball a-rolling, this will also be a great positive boost for my mental health that will be much needed and appreciated. And so, all that said, here are my new numbers for this month:

    Overall pay down goal: $2221.14 - balance from the beginning of the year
    Starting balance from June: $661.30
    Paid down this month: $14.31
    New balance: $646.99
    Debt Smackdown Totals: $1574.15/$2221.14 = 70.87%

    Reply Like 7
    • Orchid Display You can do it!

      Isn't it nice to clearly see how aspects of the long term plan relate and are actionable? I love the way YNAB helps make this more concrete.

      Reply Like 5
    • Orchid Display Sometimes your priorities and needs change, so your budget will too! I'm glad to hear you were able to make it to your destination safely, and enjoyed the family visit—despite the car troubles.

      I love that you set a new goal, and are sticking with the challenge! You've got this.

      Reply Like 4
  • July check-in: $1,250 paid (includes P&I)

    July had some medical expenses paid from funds on hand, but otherwise was a pretty standard month finance-wise. In August I'm going to try one of the suggestions that came through this month in the YNAB weekly emails. I'm going to break down my grocery and dining out spending to be weekly instead of monthly in my budget, with the hopes that it will be easier to manage and work toward a 10% reduction over my 2019 YTD average in those categories.

    Reply Like 5
    • Hot Pink Admiral Those break-downs can be eye-opening! Seeing when you're spending more on groceries and tying it to why can help target grocery needs on a schedule. Here's to finding trends that help with that reduction! :)

      Reply Like 2
  • July check-in.  3 pay month...  Made total repayments of $2492.31 which finalises one debt!

    #ynabwins

    If I don't need to reprioritise, 3 more months and I am debt free (except mortgage)!

    Reply Like 6
    • rushiec That's exciting stuff right there!!

      Reply Like 1
  • Paid off $1,493.49.  Just under 7,000 to go to be debt-free.  Only thing I'll have is my house debt!!

    Reply Like 9
    • Maroon Ink WTG!!! 

      Reply Like 1
  • July is over and we made it through. Barely. We increased our credit balances by $2400, though. So, not great. Another unexpected car repair--expensive alternator, plus a $1100+ fee to get a vehicle registered that should have been $250, but we could not register the vehicle without passing a safety inspection. The repairs were $950. I'm overwhelmed, lost, dazed & confused, but still pressing forward.

    I've wanted to give up the towel like every month this year, but as long as we keep moving, we can't fail right? Anywhoo. August is a new month. Fresh, with no MAJOR budget-busting events in it...yet.

    Oh and our new term school fees are now due so this month is going to be phenomenal. Let's do this!

    Reply Like 6
  • July check-in. Paid $2215 toward debt this month. One more credit card, and two auto loans to go!

    Reply Like 7
    • Budget-ish Great progress!

      Reply Like 1
  • I've chopped the 'fat' from all my categories to throw at what I owe the joint account, because it's going to be essential that it's up to date if anything happens to my mum, and it's stressing me that it's not. By doing that I've managed to take a big chunk of red out of my budget, and the total owing at the end of July was $2185.39 for a net reduction of $844.20. Unfortunately, the month has been one where I didn't actually get the bills paid for a titch too long, so the other loan got $0 in July. I've just made that payment now, with an additional $10 over the minimum, but that won't show till August.

    That WAMing has brought me to 50.86% of my goal for the year though, although at current forecasts I'm unlikely to reach it. I will not, however, give up my goal just yet - anything can happen.

    Reply Like 5
    • WairereRose I like that perspective "Anything can happen.". I have had to pull back these last two months from an unexpected move but I'm not going to give up my goal just yet either :)

      Reply Like 2
  • July check-in: I had a total of $210.26 net reduction in my debt this month. Hopefully will have a little more to throw in August.

    Reply Like 5
  • June & July were rough as far as debt goes, but we made progress in other areas so we're at a net gain. We are being relocated about an hour away for my husband's job, so we paused on additional debt payments to throw money at all the random expenses of selling a house and purchasing a house. We should be set after August and back into debt mode starting September!

    Reply Like 5
  • August report: Paid $781.86 on car loan - Only $604.70 to go!! Car will be paid off by October at the latest, but maybe Sept. So excited!

    Reply Like 7
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
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      ecr250 

      That is just awesome.  I'm looking forward to your September post.

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      • ecr250
      • ecr250
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      HappyDance Thank you!

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  • 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!

    The bulk of my debt is on a balance transfer card, so that has 0 interest until next December. I also have a little bit of revolving debt that I accrued thank's to quite a few unexpected expenses that I hadn't budgeted for. I have been able to avoid paying interest on this revolving debt, and I should have it all gone by the end of this month. I'm still only doing the minimum on my balance transfer card, but that still means I'm chipping away at the principle, which is still good.

    Here's my good news: I usually only look at my net worth, which declined over the last month. HOWEVER - I noticed my total debt technically decreased! The funny part is that it was only by something insignificant by $8, but my total debt took a tiny little decrease for the first time in a few months and I'm super excited about it! There's no way I'm going to meet my original goal for this year, but maybe there's still some hope of me making a significant dent in it between now and December 😂😂😂

    Reply Like 7
      • MXMOM
      • MXMOM
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      SiruhTheSantas I also dug deeper into Net Worth. Like you I was discouraged by the lack of significant changes to net worth but I realized that due to using the credit card for almost all of our spending, the balance on that card could be high at month end making net worth changes seem small while actual debt is chipping away. I am going to ignore net worth in YNAB for now and use the balances from undebt.it to follow my progress.

      Reply Like 3
    •  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.it as a supplement to YNAB? I love the YNAB model and it's definitely helped a ton at keeping me on-budget (for the most part), but this spreadsheet is pretty much the only way I'm able to accurately keep track of my overall progress and I wouldn't mind having another way of seeing it!

      Reply Like 2
      • MXMOM
      • MXMOM
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      SiruhTheSantas undebt.it is awesome for the debt portion. You can connect to YNAB by paying for the premium version (which is actually pretty cheap at $12 per year), or use the free version and update manually. I think you get a free trial of premium when you first sign up. I use the free version mainly because I don't track my regular credit card there since I use it like a bank account and I don't use my cards that I am paying off to purchase things. I find that the YNAB credit card approach works great when using the card as a bank card vs credit (it moves the money to the credit card payment budget).

      Reply Like 2
  • Phew!  57% paid off my goal so far this year.  It's going to be a stretch to make it to the 100% and I'm sure going to do my darndest to get it done!  

     

    YNAB has done a brilliant job of showing me where my money goes and where my weak points are, so hoping to be able to boost my monthly minimum payments to get it done.  Because that means DEBT FREE COME NEXT YEAR!!!

     

    Eyes on the prize.

    Reply Like 6
    • Pixel spender And just to note as well, my net worth has gone up over $2000 since November last year, so I feel accomplished a couple of different ways.  :)

      Reply Like 4
  • July Check in: $2686.67

    Starting the accelerated student loan pay down portion of our debt! Paid off a specific loan in full on the 30th. They sure don’t make the process easy, but it's done. We were tempted to raid our sinking funds to catch up to the goal, but decided against it. All in good time!

    Reply Like 4
  • First check-in since April. 

    Savings went south since then even not including "planned" spending like vacation.  We had a pet emergency that cost a few thousand and we ended up putting down a dog despite the money spent to save her.  We also started the maintenance and renovation work on a rental house that we've put on the market.  One of these days I'll have to figure out how much I started with so the "Savings" balance isn't negative or just drop the balance from that column.

    But thanks to YNAB, those savings were there and our Debt Snowball didn't take much of a hit ... yet.  August will be different.  Still spending and there isn't enough time left in August to close on a sale. 

    Reply Like 4
    • MartyH So sorry to hear about your dog. I know how painful that can be.

      Reply Like 1
    • MartyH My condolences for your loss! A few years ago, I sought vet treatment for my dog who was sick - they gave me antibiotics, assured me it was nothing major and he passed away the very next morning. The vet apologized and reversed the charges. It didn't bring my pup back, but it was one less thing to worry about in the aftermath.

      Reply Like 2
      • MXMOM
      • MXMOM
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      MartyH Hugs. I am at the point with our dog where each medical concern will have to be addressed as a financial decision for the long term. I know that if I could throw money at it and be assured he would be better than new, I would probably do it. But unfortunately that is not going to be case.

      For those with pets, I will say that having pet insurance is great if you are not self insured with emergency savings. My dog is a sock eater and had 3 surgeries (plus other treatments over the years). The vet uses me as the poster child for having insurance. Total payout over the 13 years has been well over $10,000. 

      Sure we have paid that in premiums over the years so we are probably even when it comes to net cost over the years. But insurance is for peace of mind, especially when you don't have the money.  Yes, it is a stupid expense. Yes, you shouldn't get a dog if you can't afford it. Yes, you could put money aside into an emergency fund each month and keep the money (this is what I would do if I ever get another dog but this requires a fully funded emergency fund in case the pet emergency wipes out the pet emergency fund). 

      Reply Like 2
      • MXMOM
      • MXMOM
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      MartyH Do you have a low interest rate on that Amex? Every little bit helps!

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      • MartyH
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      MXMOM zero percent for my balance transfer last year and for purchases until Jan 2020.  So a lot of expenses are going on that now so I can be sure I can avoid interest on the card that I normally use for the 2% reward.

      Reply Like 3
  • Line 291 claimed. My payoff target is based on my undebt.it snowball. Its pretty non ambitious based on $450 per month payment vs $235 minimum payments. But based on that, according to undebt.it my debt free (everything but the house) date is July 2025.

    I'm focusing on getting the 0% finance promo card down before the promo ends in December 2019. I usually end up doing a 0% payment with a 3% transfer fee for an APR of 3%. Baby steps! I want to add my numbers to help reflect what the YNAB forum pays off this year. 

    Reply Like 3
  • This month is YNAB Subscription Renewal month for me! Also marks getting my mortgage just under the $60k mark.  Next month I should hit my debt payoff goal for the year, so now it's time to push that. 

    • Starting Balance (January  2019): $69,112.11
    • Current Balance: $59,999.39
    • Paid Off this Year: $9,112.72

    Overall Progress Update:

    • Starting Balance (April 2018): $74,400.00
    • Total Paid Off: $14,400.61
    Reply Like 6
    • Madkat-Z Hitting your goal in September? That's great! And leaves you a good amount of time to push that envelope - I can't wait to see just how far above you go! :)

      Reply Like 1
  • August check in. Line 21.

    I am still going backward on paying off debt. I started out with $8,203.71 in debt. I had $8,281.30 in debt at the beginning of July. That was $77.59 more in debt than when I started. I paid $3,278.55 in debt but spent more than that in the last 6 months. Today, 8/6/2019, I have $8,485.87 in debt, which is $282.16 more than when I started with in January. It's $204.57 more than last month. Sigh. I know it could be worse. Much worse. I am going to try to stay positive and keep working at it. I'm at least paying all my minimums on all my debt. I do have $865 in savings now. I'm budgeting money to my long term savings funds and sending less to debt. I know that paying off debt should be the priority over long term savings, but I had so little in savings, $400, that it made me nervous. I never would have had over $800 in savings before, so I am making some progress. It's the credit cards that are doing me in. Also the traveling I was doing. I will not be going up to Denver monthly anymore for the member advisory council I'm on. I'll stay at home and call in. I think I still get a $40 gift card for doing that but if not, I might stop participating. I am doing an online one that is just a survey now and then and I'll get a $5 gift card for each one I complete, up to $40. I will pay at least the minimums on my debt this month and try to pay at least an additional $50 on Discover. I am waiting for a reimbursement (a little over $100) and I'll put that on the Discover card once I get it. All I can do is keep trying. Time to get rid of the physical credit cards again and take them off any accounts I have them on as payment methods. I will eventually be out of debt. I just have to work harder at it than I have been.

    On a fun note, I did do a FREE beginner's archery class for women a week and a half ago. I did not shoot the arrows into the ground or over the target board and I got on the target paper quite a few times. I shot 18 arrows. It was a lot of fun. I had FREE transportation to and from the park too. My target was on the far left, on the big wood board, the small black paper with a white bullseye. It would have been easier to hit the big multi-colored targets in front but more challenging to shoot for the back target. It was a beautiful day at Cheyenne Mountain State Park. I also have a State Park pass that I get for being disabled. It usually costs $80 but I get mine for $14. I had that prior to the archery class. I did get a severe bruise on my right arm from the bow string tagging my arm while shooting, but it's almost gone now. It ended up being about 12" long and 8" wrapped around my arm! I bruise easy but was not expecting that! LOL But I had a great time.

    Reply Like 6
    • internettie you'll get there eventually. We all fall off the wagon now and then (Myself included, not looking forward to the next update either), you just have to climb back on and keep working at it. Kudos to you for the extra funds that you are bringing in. Every little bit helps!

      Reply Like 3
      • internettie
      • Writer
      • internettie
      • 3 mths ago
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      farfromtheusual thanks! I have to remind myself that I was always taking steps backward prior to this past year and at least now I'm taking a lot of steps forward in between those steps backward. I will keep plugging away until I reach my goals. Then I'll set new goals! Every little bit does help.

      Reply Like 2
    • internettie very true - it didn't happen overnight, and it's not going to shift overnight. What's important is the awareness and always refocusing when things get slippery!

      Reply Like 3
      • internettie
      • Writer
      • internettie
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      farfromtheusual I've been on that slippery slope so many times that you'd think I'd see it coming. lol One day. One day. 

      Reply Like 2
    • internettie eventually you just get better and better at anticipating it, and then things smooth out a lot. It takes a while, especially if you haven't been using YNAB for all that long. It takes a solid year + to REALLY get a good handle on the rhythm and flow of the normal things, let alone dealing with the bumps in the road.

      Reply Like 3
      • internettie
      • Writer
      • internettie
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      farfromtheusual I've been using YNAB for 10 years! I mostly used it as a tracker, not as a budget tool. I was in an abusive relationship until 2015 and money was a constant issue. About a year ago I finally was in a place physically, mentally, emotionally, and financially, to use YNAB as intended - TO BUDGET! I know it will take time. I have nothing but time now to turn things around. I have lots of emotional stuff to work through when it comes to money, but I'm doing it. I'm further along than I ever was before. 

      Reply Like 4
    • internettie That's fantastic!
      And I would say even though you've used YNAB for that long if you weren't really working into the future with it, then it's a "new" tool. The only up side is that you've already got the history there, which a large part of what makes learning YNAB tricky - you don't have the history to be able to ask questions of to figure out how to handle the budgets. So you can go in and look up to see how much you've spent on average on groceries, or the power bill, or any number of other really interesting things to get a bigger picture of what you need each month just to keep the normal stuff covered. When you don't have that history it's really hard to plan.
      Kudos to you for getting out of the bad relationship. That isn't easy, and takes time to get yourself sorted out. I know reading Money: A Love Story helped me to deal with a lot of how I *thought* about money, which changed how I responded to  money (or not having money, or having debt). The mindset work is so important. A tool like YNAB is great, but if you can't shift your mindset around things, then your use will still remain the same... you'll just be able to see it in black and white :)
      I think you're on the right track for sure!

      Reply Like 3
      • MXMOM
      • MXMOM
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      internettie  wow 10 years! They should give

      you a free year to celebrate. And congratulations on moving forward with your life  luckily I’ve never been in that situation but one of my best friends was and it was A long and lonely struggle for her. So again, yay you!!!!

      Reply Like 4
      • internettie
      • Writer
      • internettie
      • 3 mths ago
      • 4
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      farfromtheusual having years of YNAB history was definitely a help. I was married for 27 years when I left. I didn't know that what was happening was abuse. It was only when he threatened to get rid of or harm my dogs that I got the courage to leave. The first year after leaving was a nightmare. The second year after leaving was so much better because I had my foster pup, Addie the Wonder Hound. I was still taking care of someone else though. Once Addie went to her forever home I finally had time to grieve all my losses and focus on me for the first time in 57 years! The next year was a transition year, moving back to Colorado from Maine, living with Lisa and her family for 6 months, then moving into my apartment and community. It really wasn't until last summer that I was settled enough to figure out what I wanted my life to be. I feel like a newbie at just about everything. I was so sheltered for decades in my marriage. Now I'm making up for lost time. At first that meant a lot of spending, but then I realized that doing that wasn't in my best interest. I'm learning every day what is best for me. It will take time but at least I'm working at it now. And I don't have anyone to sabotage my progress, except for me. lol I'll check my library for Money: A Love Story. Sounds interesting! I know that it's the emotional stuff that holds me back. I have the tools (YNAB) and the motivation to technically do a budget, but I get in my own way too often. It's happening less often now though, so that's progress. I feel like I am on the right track and it feels good!

      Reply Like 4
      • internettie
      • Writer
      • internettie
      • 3 mths ago
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      MXMOM I did get a YNAB t-shirt which I covet! I know how lucky I am to get one. I used YNAB for 10 years but I've only been LIVING YNAB for about a year now. I still feel like a newbie. lol The last four years of my life have been full of struggles and obstacles but I have been able to get through them all so far. Now it's time to work on the finances. It's a whole new world for me being on my own but I'm the happiest I have ever been. It's not easy all the time but it's SO much better than any of the time I had before leaving. I hope your friend is doing okay and finding her way. It's not an easy road but worth all that you have to go through. Thanks for the encouragement and support! 

      Reply Like 3
      • MXMOM
      • MXMOM
      • 3 mths ago
      • 3
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      internettie wish there was a LOVE button (instead of just like).😄

      Reply Like 3
    • internettie What an amazing story! It sounds like you're totally on the right track, and there really is something to be said when all the wins and losses are a direct result  of how you choose to handle things. It means you can't hide behind someone else's choices, but it also means you get to take FULL credit when things DO go right! And it sounds like you've been on an upward trend now for a while, even if progress feels slow. Keep on keeping on!

      Reply Like 1
  • I just scheduled my final car payment for Sept. 3rd. My goal was to have it paid off by the end of the year. SO EXCITED!!!!!!!!

    Reply Like 11
    • ecr250 WAHOOO!! That has to feel fantastic!

      Reply Like 1
      • internettie
      • Writer
      • internettie
      • 3 mths ago
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      ecr250 Congratulations! That is so exciting! Great job!

      Reply Like 1
    • ecr250 Congratulations!! Ahead of schedule and your car is all yours now! 🚘

      Reply Like 1
      • ecr250
      • ecr250
      • 3 mths ago
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      Faness Thank you!

      Reply Like 1
    • ecr250 they always ride better when they're paid for!  Congrats!!

      Reply Like 2
      • MartyH
      • MartyH
      • 3 mths ago
      • 1
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      ecr250 Not having a car payment is an awesome feeling!  This time next month you will really be able to relate.

      Reply Like 1
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