Debt Payday: January 2017

Debt Payday | Enough. A Personal Finance and Debt Reduction Blog

First payment of 2017 is in the books. This month ~87% of my total take-home pay was steered toward debt repayment and I was able to pay $1,485.58 above my required monthly payments. Here's the breakdown: Account Payment New Balance Credit Card  $1,485.58  $2,858.12 Student Loan 1 $98.19* $10,238.10 Student Loan 2 $135.32* $13,620.75 Student Loan 3 $168.92* … Continue reading Debt Payday: January 2017

The Details of a Year-Long Shopping Ban

A Year-Long Shopping Ban

I’m a few weeks into my second largest challenge (after paying my tens of thousands in debt…): a year-long shopping ban! This idea isn’t anything new, and it’s heavily inspired by Cait Flanders. Why a Year-Long Shopping Ban? I have a few key areas where I struggle with compulsive spending: coffee, clothing and cuisine. The … Continue reading The Details of a Year-Long Shopping Ban

15 Small Changes For Better Health, Wealth, and Happiness

15 Small Changes for Better Health, Wealth and Happiness

I recently shared my personal vision for the year. I recognize that progress and success comes by taking a series of small steps. In order to achieve my vision for my future self, here are the 15 small changes I’m planning to make this year: Stop Purchasing Books/Audiobooks, Use the Library Instead I pay for … Continue reading 15 Small Changes For Better Health, Wealth, and Happiness

Debt Payday: December 2016

Debt Payday | Enough. A Personal Finance and Debt Reduction Blog

Another month, another payment! This month I was able to pay $3,249.88  extra towards my debts. Here's how it all shook out: Account Payment New Balance Credit Card  $2,657.75  $2,185.07 Student Loan 1 $98.19* $10,317.92 Student Loan 2 $135.32* $13,620.75 Student Loan 3 $168.92* $5,332.77 Family Loan 0** TBD Auto Loan $189.70* $4,682.33 Mortgage $1,220.54 $179,288.88 *This … Continue reading Debt Payday: December 2016

The Necessary Nature of Trade-Offs in Personal Finance

The Necessary Nature of Trade-Offs in Personal Finance

After November’s mediocre showing, I’ve been reflecting on my actions over the past month. It’s clear that I was overzealous in my first debt payment, and in doing so I had to rely on my credit card to cover other expenses, which only succeeded in putting me in another bad spot. What I was lacking … Continue reading The Necessary Nature of Trade-Offs in Personal Finance