August Debt Reduction Progress: $2,481.59

August Debt Reduction

Due to the unexpected 180-degree turn my life took a couple of months ago, I have not yet implemented my debt reduction plan to pay off $305,000 of in just 2 years.  However, even though my life got flipped, turned upside-down (you know you just sang that as you read it), I have managed to … Read more

Those Pesky 180’s

180 Degree Turn

My life has taken a 180-degree turn in the last two months.  Most of this year, my (second) husband and I have been struggling.  We haven’t been on the same page about anything, and my way of dealing with it was to sweep it under the rug, and his was to let his frustration build … Read more

How I plan to pay off $305,000 in less than 2 years

So I’ve been doing the math – a lot of math – and I’ve decided it can be done.  If everything goes according to the latest plan I have worked out, I can pay off $305,000 of debt in less than 2 years. Here’s my debt:         That’s a really big number. … Read more

Without Your Purple Rain

This world will never be the same Without your Purple Rain You have ripped a color from the rainbow What’s left is dull and grey I’m not ready for this much sadness So much pain Because the world will never be the same Without your Purple Rain It’s not fair I’m dying inside Your talent touched … Read more

Kiss Overpriced Hotel Rooms GOOD-BYE!

No More Boring Hotels

Last year, when we traveled to my sister’s house in Florida, I had a couple of drinks on the plane and accidentally fell for the credit card scheme they were promoting as we prepared to land.  So, I’m now the proud owner of a credit card I absolutely don’t need but justify continuing to use … Read more

Two Financial Thresholds Crossed in 24 Hours!

Happy Threshold

For weeks, I have been teetering on the brink of two financial thresholds.  I have been watching the numbers flirt dangerously close, but then the market would sigh and float away in the wrong direction. These were both numbers that I never really paid attention to or thought were significant until very recently.  Now it … Read more

MWI – It was an accident, I swear!

I woke up this morning and weighed myself and was pleasantly surprised (I almost NEVER get to say that!) to find that I’d lost weight.  My Monday weigh in was March 14th at 170.5.  I know I went up a few pounds since then, topping off at 174 as far as I can remember.  Today I … Read more

Willpower is Elusive

Snack Obsessed

I get bored at work because I sit at a desk all day.  My mind wanders and eventually finds it’s way into the 7-Eleven “cafe” we have here at work.  Everything there is overpriced and unhealthy.  My mind browses the shelves until it’s triggered by a snack…and then I fixate on that snack until I make … Read more

The Numbers Game: This is what it’s all about

Chart of my Net Worth

My entire life, I was focused on one thing that I thought would make me “successful”:  My credit score.  I believed that having excellent credit was the #1 financial goal I should strive for.  I thought that everything else was fair game if I could keep my credit score high.  Houses?  Cars?  RVs?  Absolutely!  As … Read more

The PLUS Loan 120-Day Rule

PLUS 120-Day Rule

A few months ago, I was super excited to learn that extra payments to my PLUS loan made within 120 days of disbursement were treated like a “return” and would be removed from the original principal amount with no interest, as if it was never borrowed.  When I heard this, my mission in life became paying as … Read more

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