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Archive for January, 2009

January 2009 Debt Overview

January 20th, 2009 at 05:09 am

Ok, after all the drama in the last months, these are the latest numbers. Surprisingly only $700 more than when I started blogging last summer. It could be worse...(I'm trying to look at the bright side.)

January 2009

Student Loan #1: $2,116

Student Loan #2: $1,326

Bank of America 1: $8,804

Bank of America 2: $7,824

0% Bank of America 3: $4,321

Chase 1: $2,613

Chase 2: $2,840 ($2,500 at 4% for life of balance)

0% Citi: $1,852

Target: $490

Overdraft: $2,455

401k Loan 1: $710 (Pay off 07/31/2009)
401k Loan 2: $3,918 (Pay off 07/16/2011)

Car Loan: $14,523


DEBT TOTALS

Credit cards & Overdraft: $31,199
Student Loans: $3,442
401K Loans: $4,628 (Not updated since Dec. 2008)
Car Loan: $14,523


THE BIG DEBT TOTAL: $53,792

Total Savings: $666 ($501 awaiting medical bills to arrive, the rest is the newly reinstated Freedom Account)

Total Retirement: $43,554 (Not updated since Dec. 2008)

I'm Still Here Waiting for Things to Change

January 20th, 2009 at 12:04 am

I am still alive, but I am still in debt and dealing with those "surprises" I told you about earlier. My husband is currently running an "errand" as I write this post. I am so over this! It is causing problems in our marriage and I am just sick and tired of trying to deal with it all. I got a check (YEAH!) from CafePress with some commissions and was excited that that was only $12 less than what I'd need to buy a new booster seat for my son (on sale this week, otherwise it'd be $15 more) and now I'm hesitant to do that. It's more of a want than a need so I guess that'll be put on the backburner. It's just all so frustrating! I cannot seem to get ahead and I feel like I have done everything I can. I know he's trying and it's not fair for me to get so upset when new things come up since it's all past borrowing that is now rearing it's ugly head, but I do. I just don't know how much more I can take.

I'm changing the 2008 goals in the sidebar to read 2009 since they are all the same and still apply. Any progress we made last year has been undone, other than having baby #2 and getting our life documents (will, advanced directive, etc.) in order. So, here we go, hoping for a new beginning again soon and trying to keep the faith. Oh, I'm also going to try my hand at using coupons while grocery shopping and see if we can't save some money that way to put towards debt.

I still draw strength from y'all even if I'm not actively posting. Thanks for everything!