by Hope
This month is pretty much a wash since the bulk of the money I would have paid off debt with is going to Princess’ dental surgery. I am using a CC for the fee. I paid it off at the beginning of the month, but will max it out with the surgery.
So the card won’t get paid off until next month.
| Debt Description | October, 2023 Total | Interest Rate | Minimum Payment | Current Total | Payoff Date (Est) |
|---|---|---|---|---|---|
| CC - Frontier | $3,857 | 29.99% | $130 | $0 | December, 2024 |
| Dad - New Furnace | $2,600 | 0% | $0 | $2,600 | January, 2025 |
| CC - USAA | $5,000 | 19.15% | $135 | $5,000 | March, 2025 |
| Student Loans | $22,121 | 2.875% | $22,816 | September, 2025? | |
| CC - Apple** | $500 | Paid off every month | $0 | ||
| CC - AMEX | $894 | 29.24% | $0 | $0 | Mar, 2024 - Closed |
| CC - Sams | $1,106 | 29.99% | $0 | $0 | April, 2024 |
| Personal Loan #1 | $2,500 | 0% | $0 | $0 | July, 2024 |
| Personal Loan #2 | $2,500 | 0% | $0 | $0 | August, 2024 |
| CC - Wander | $1,630 | 29.24% | $0 | $0 | August, 2024 - Closed |
| CC - Amazon | $1,497 | 29.99% | $0 | $0 | September, 2024 |
| Total | $44,206 | $265 | $30,416 |
I did make some extra money this month on a side project. (It was supposed to come in last month.) And I’ve put that towards my personal loan. Otherwise, not much to report on the debt journey this month.
Next Goals
After I pay off the Frontier CC for good next month (November), I plan to tackle the personal loan next. I realize that the USAA CC is still high and accruing interest. But it will feel good to pay off my dad and go into the new year with just the one remaining credit card debt.
Quiet Focused Months Ahead
Other than the family trip to Texas at Thanksgiving, I anticipate some very quiet, focused months ahead. As of this posting, none of the boys will come to Georgia for Christmas. And the girls have their own residences now, so it will be pretty low key. I’m working on planning house projects on the weekends in anticipation of putting the house on the market in the new year. I’m thinking that will happen in March right now.
I’m also planning to meet with a few real estate agents over the next month to determine what projects MUST be done and what can be avoided. That will certainly affect the budget over the next couple of months especially once I figure out what I can do myself and what I will need help with.
Any tips from the BAD community for selling a house?
Hope is a resourceful and solutions-driven business manager who has spent nearly two decades helping clients streamline their operations and grow their businesses through project management, digital marketing, and tech expertise. Recently transitioning from her role as a single mom of five foster/adoptive children to an empty nester, Hope is navigating the emotional and practical challenges of redefining her life while maintaining her determination to regain financial control and eliminate debt.
Living in a cozy small town in northeast Georgia with her three dogs, Hope cherishes the serenity of the mountains over the bustle of the beach. Though her kids are now finding their footing in the world—pursuing education, careers, and independence—she remains deeply committed to supporting them in this next chapter, even as she faces the bittersweet tug of letting go.
Since joining the Blogging Away Debt community in 2015, Hope has candidly shared her journey of financial ups and downs. Now, with a renewed focus and a clear path ahead, she’s ready to tackle her finances with the same passion and perseverance that she’s brought to her life and career. Through her writing, she continues to inspire others to confront their own financial challenges and strive for a brighter future.
