November ’16 Debt Repayment Recap

finances debt free journey

november16

October 28th, 2016
Car Loan: $17,618.23
Credit Card Debt: $3,199.86

Total Debt: $20,818.09

November 28th, 2016
Car Loan: $17,259.55 {-2.03%}
Credit Card Debt: $2,258.58 {-27.60%}
Total: $19,518.13 {-6.24%}

 

MAN this feels really good. I’ve been trying to be really diligent about taking any extra money (from apps like Ibotta) and putting it towards my debt, even if it’s only $20 – those little amounts add up.

I’ve been listening to a LOT of Dave Ramsey which has helped me keep my eye on the prize. That and coming in here to edit the number and see the number drop and percentage increase. In December I’m going to start using Dave Ramsey’s EveryDollar budgeting app and I’m going to attempt the cash-only system, but with Christmas and a trip to Disneyland it’s a rough month to start with that.

I’m also getting used to a much smaller paycheck and the importance of babysitting/side hustles, etc. It causes me to be more disciplined with my money, and I recently had this huge revelation that a planner is like a budget for your TIME, and I need one of those. Does anyone have any recommendations for a good planner?

Well.

Same time next month, y’all. Keep on keeping on.

 

18 thoughts on “November ’16 Debt Repayment Recap

    1. i have a happy planner for my failed attempts at moderating my health (LOL!) and i LOVE them. they’re so cute!! maybe i will actually just buy one of those! that’s a great idea, i have NO clue why i didn’t think of that haha.

    1. oh my gosh – i listen to them while i work and some days i’ll get through like 4, but i definitely am nowhere near being caught up, haha.

      how can i see the different layouts?

  1. You. Are. Awesome! Seriously Stephanie, keep it up! You & Mattie are making me want to look into all of the budgeting things! 🙂 Also, I found a planner template that worked for me online and edited it to fine-tune a few things and then had it bound at an office store. 🙂 Just a thought!

  2. Target has a variety of Sugar Paper brand planners. I loooove them. If I didn’t have to buy one on the academic year schedule, I would buy a sugar paper one. They’re super affordable too, as planners go.

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