Net Worth Update June 2017: Up $100,000 in 14 months!

Wow.  This shit really works.  All of this personal finance educating, plotting, and analyzing has really paid off in the last year. The last time I posted about it in April 2016, my net worth had just topped $30,000 and I was super excited about that. I took some time off from tracking it for … Read more

Entitlement in Marriage

Riddle me this: Two people are married for a long time.  One spouse works hard supporting the household, providing a nice home in a safe neighborhood, saving and investing and building their combined net worth. The other spouse chooses not to work or works at a low-paying, part-time job. In the beginning, there may have … Read more

April Debt Reduction Progress: The Force Is Strong With This One

Time Flies!  Yada Yada. For the last 9 months I’ve been recalibrating life to my new standard. I’ve gotten divorced for the second time in 3 years (ouch) I’ve changed my name again My net worth increased by about 250%! I decided not to sell my house My house tried to escape to Oz My … 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

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

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 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

No Wonder I’m So Tired!

Tired Me

In the past 18 days, I have worked at my extra job 14 days.  I have only had 4 days off from that job, none of them consecutively.  I have not had a day completely off from both jobs since January 17th, with the exception of one day when I called in sick from my … Read more

MWI Week 4 – #StruggleBus

Week 4 was a terrible week.  I contracted just enough of a cold that I barely went through the motions…in fact, I even called off on Wednesday, which was my first complete day off since mid-January.  Consequently, I didn’t exercise or eat right all week, and since then I’ve been dealing with strong cravings for … Read more

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