Mid-Month check in

June just flew by! I’m sipping my first cup of coffee for the day and reflecting on my progress with my goals that I wrote out. So here is where I am as of today:

  • Put at least $700 to my CC debt – So far I’ve put $556 to my CC this month! I’ll get paid one more time before June is over and already have $400 scheduled, so I should be good on this goal!
  • Sell ALL unwanted stuff, and toss the rest – I’ve been listing on Postmark and Mercari and eBay, I’ve sold a few old electronics and a decent amount of high-end makeup. No one is biting on the clothes. I’m going to donate some stuff by next weekend.
  • Use cash system for daily spending – This I haven’t been doing.. mostly because my first paycheck I spent all on rent, paying my CC and paying myself that I didn’t have much cash left over, so I guess that’s a good thing? I took out $20 yesterday and had $6 in my wallet already, so I think this will be good going into the next week!
  • Eat out less – I have been doing a lot better packing lunch! I’d say at least 4/5 days! However, over the weekend our friends were in town and we spent a lot of money on eating out, and we have other friends in town today. We literally never go out on the weekend, so for now I’m sucking it up in an attempt to be social.. since we tend to be pretty anti-social 99% of the time.
  • Get BW back below 130lb – I’m about 132 as of today. Getting back on track with eating packed food and hitting my food targets per day has helped, but I haven’t been working out at my normal volume thanks to a string of small, annoying injuries (sprain here, tweaked my back, sprain there). I’m hoping by the last week I can resume normal workouts, and at least get within 1lb to this goal to be on track for August.

How are you all doing with your goals for the month or the year?

Financial Mistake #1 of 2017

At the end of 2017, we ran into an emergency and didn’t have the savings to cover it. With not so hot credit from the past few year’s financial mistakes, I had to take a personal loan with a ridiculous interest rate to cover our asses. My original intent was to pay it off in three months and here we are in month 5 of the year and I’m still paying it off.

I decided to take out the majority of the savings I have to pay this thing off by the start of June. Literally daily it accrues enough $ to fund my daily coffee fix plus some. The monthly set payment is $351, so with that $351 I can start paying down my “normal” interest rate CC debt much sooner.. and start replenishing my emergency fund and savings to avoid this from ever happening again.

The payment is automatic and apparently there is no way to pay the upcoming payment, so today I paid $1225 towards this pain in my ass, saving the $351 in my checking for the upcoming payment. Then when I get paid on the 2nd I’ll pay off the balance in full!

Next up will be my Apple CC which I used to buy a new computer with a special interest rate. I can comfortably pay at least $800 to debt per month (after all my fixed bills, spending, and saving). My goal going into June is to get aggressive by putting at least $800 towards this debt, and clearing house by selling all my unwanted stuff and putting that towards this debt of $1800.