November ’16 Debt Repayment Recap


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?


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




    • November 29, 2016 / 4:19 pm

      THANKS!!! it was actually lower and then i decided to buy essential oils LOL ;D i’m excited to see you this weekend!

  1. Emily Grace
    November 28, 2016 / 10:05 am

    LOVE planners. They are my life. Hit me up for suggestions, because I have some 🙂

    • November 29, 2016 / 4:20 pm

      well hello i’m asking for planner suggestions

  2. November 28, 2016 / 11:02 am

    I’m making the move to a Happy Planner for 2017! I like that they are really easy to customize/personalize and are pretty too!

    • November 29, 2016 / 4:20 pm

      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.

  3. Bailey
    November 28, 2016 / 12:37 pm

    Congrats Stephanie! Way to go!!

  4. November 28, 2016 / 2:38 pm

    LimeLife Layout C!!!
    Also, I listen to all three hours of the Dave Ramsey podcast every day to help me stay motivated.

  5. November 28, 2016 / 7:31 pm

    Woohoo! Way to go! You deserve to feel great about it!

  6. November 28, 2016 / 11:04 pm

    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!

    • November 29, 2016 / 4:45 pm

      DO IT! BUDGET THINGS! idk it’s just really fun and encouraging and a great way to stay motivated.

      i’d love to see the planner you found!!

  7. November 30, 2016 / 12:54 pm

    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.

    • November 30, 2016 / 8:18 pm

      oh i’ve seen those! they are SO CUTE. i feel like that’s the problem – there are SO MANY great options.

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