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March 2018 Debt Repayment Recap

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This month was all about maintaining. We’ve still been treading water waiting for more hospital bills to roll in. But the good news is that even when we’re paying minimum payments, the number goes down.

Two things have happened behind the scenes this month:

  1. I decided to create Poshmark Paydays for myself. As fun as it is transferring $15 or $20 or $38 dollars a few times a day, it’s made me a little out of touch with how much money I’ve been making. Now I transfer my balance every other Thursday (so it’ll hit on Friday). It helps me feel more like I have a job and less like I’m just casually making side money.
  2. I started squirreling away (small amounts of) money to eventually pay off my phone, which doesn’t allow additional payments. Because it has to be paid in full, I started the process to saving up the $700 to pay it off.

Here’s something really exciting. We’re under $20,000!!!! This month has felt so mundane with our debt repayment that this little victory is exactly what we need to stay the course.

Stephanie’s Phone: 779.02 744.02 {-4.49}
Justen’s Car:  5,619.12  5399.22 {-3.91%}
Stephanie’s Car: $14,144.65 13,647.05{-3.51%}

Total: $20,542.79 19790.29 {-3.66%}

2018 Total Payoff: $23,661.40 $19,790.29 {-16.36%}

 

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Book Reviews Round 1

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Lately I’ve been doing all the reading. I’ve started to take advantage of my library card and I’ve been really diligent about reading more. I thought it would be nice to start doing a little round up of books I’ve been reading lately and what I thought of them. So here are the books I’ve finished reading since 2018 started! I’m on my way to meeting my 2018 goal of reading 20 books this year! I’m over 1/4 of the way there!

Living Well, Spending Less
I’ve read the blog post about how she got rid of her kid’s toys like 15 zillion times, and I love it. This book is okay. I appreciated her journey from being all about couponing for a good deal to realizing you just don’t need most of the stuff you acquire. If you’re fairly new to the whole simplifying/personal finance world, this would be a great entry point. If you’re already in it, consider it good encouragement to stay the course.

 

The Woman in Cabin 10
This book is what sparked my newfound love of my library card. It’s the story of a woman who witnesses a murder on a small boat (like Murder on the Orient Express, but boat) and nobody believes her. She doesn’t know who to trust or believe and everyone is a suspect.I’ve been wanting to read this one for awhile so I picked it up and literally read it in one day. It had a great premise, but about 3/4 of the way into the book it just got really absurd and the ending was so unsatisfying. I couldn’t put it down, though!

 

A Stranger in the House
I returned The Woman in Cabin 10 and looked for a book I’d been wanting to read (the Couple Next Door). The library didn’t have it, but they did have another book by the same author, so I picked that one up.After crashing her car into a pole while speeding through the wrong side of town, Karen has no memory of why she was there or what was going on. She and her husband, Tom, try their best to piece together what happened on the night of the accident.It was hard to finish because the writing was so boring. The plot line was okay at best. The twist at the end was alright, but definitely did not redeem the writing or the plot up to that point.

 

Eleanor Oliphant is Completely Fine
Eleanor is a quirky, socially awkward human being who is fine being alone. She and a co-worker have a chance encounter with an elderly man (and save his life!) and it starts a whole new chapter in her life.This book was good when I thought Eleanor was just a quirky, social awkward girl but as the book went on I started to feel sad about Eleanor’s story and how she saw the world. I couldn’t put it down, though. I do recommend this one!
 

#GIRLBOSS
I’ve seen SO MANY PEOPLE post about this book, so when I saw it on the news I was ALL ABOUT IT. I currently have my own reselling business so reading about a woman who built an empire from reselling clothes on eBay was REALLY exciting. It didn’t live up to the hype for me. It was good but I didn’t really LEARN anything and a lot of what was shared was really directly related to her own journey – which is super cool but definitely not my path.

Bachelor Nation
When I heard Amy Kaufman interviewed on my favorite Bachelor podcast (Here to Make Friends), I was SO EXCITED to read her book. She had a lot of insight into the franchise and what goes on behind the scenes. I tried ordering it online but my card was expired and the payment wouldn’t go through. Justen and I were perusing the Amazon Store and as we were walking out I saw this book and lost my freaking mind.
I LOVED this book – just like I speculated, it had a lot of insight into the franchise (and a whole history on reality dating shows!) and I learned a lot that will forever change how I look at the series. I highly recommend if you are a fan of the Bach 🙂 
What are some books you’ve read this year so far?

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FEBRUARY 2018

FEBRUARY 2018

This year I’m documenting what happens one little month at a time. It’s on my 101 list and it’s fun to keep track of what we’re doing. I’m sure that in years to come we’ll look back on the little details and be happy that we can remember them 🙂 Cheers to that.

Coffee Shops Visited: 3
Caffe Piccolo
Hidden River Roasters
Albina Press

NOTABLE EVENTS

1 – dinner at Ed & Racheal’s
2 – Camas Library Book Sale with my dad! Camas First Friday + ALL THE CHOCOLATE.

3 – Coffee with Andy @ Hidden River Roasters, had pizza at Katie’s house
7 – Saw Pitch Perfect 3 with Adriana
9 – Redboxed Dunkirk
10 – Galentine’s at Savannah’s house
11 – Went to church + spent the afternoon with Alan & Maria. Went to Albina Press. Made a cake for dessert at Justen’s parent’s house and… it melted.

15 – Filed our taxes together! Dinner at Justen’s Grandma’s
17 – Chick-fil-a breakfast (and shopping) with my mom. Purged my closet. Dinner at Justen’s Parent’s house.

18 – Did some work @ Starbucks, attended a training at the Marquez’s.

19 – Tried our monthly new recipe: One pan lemon chicken + asparagus
21 – Ate at Los Dos Compadres bc we love chips and salsa.
23 – Saw Shape of Water
24 – Treated my mom to Chick-fil-a breakfast (it’s her Saturday morning routine). Rearranged the apartment and then went to Big Al’s & played Arcade Games. Also made a Bailey’s Strawberries & Cream Milkshake which was literally the best thing ever.

26 – Nashville! 😀
27 – Nashville! 😀
28 – Nashville! 😀

 

Books Read: A Stranger in The House (don’t bother with this one), Eleanor Oliphant is Completely Fine (really good!)

Blog Posts Written:

Things Accomplished from my 101 in 1001 List:

  • 6 blog posts (#38)
  • 2 coffee shops (#47)
  • Tried a new recipe (#50)
  • 2 books (#57)

Catch up on our year:

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March 2018 Goals

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February was a bust. There was a lot of emotional turmoil for myself and people I love, and my goals were put on the back burner in exchange for not losing my ish. I literally feel like I blinked and suddenly it was freaking March.

So whatever. Onward and upwards.

I feel like learning how to effectively set my monthly goals is kind of like learning how to budget. There are things I want to do and accomplish that I’m not currently ready to implement. I’m learning how to say “here’s where I want to be” and then walk all the way back and find the first thing I’d have to do in order to move towards those goals. These were my goals in February:

  1. 50 entries in my gratitude journal
  2. Run 9 miles
  3. Lose 6 lbs
  4. Publish 10 blogs
  5. Send some Valentines
  6. Send 2 care packages using Birchboxes
  7. Watch 5 of the Oscar Best Picture nominees
  8. Try a new recipe
  9. Buy fresh flowers
  10. Read 2 books

4 out of 10. 40%. I need to have a few really great months of goal crushing to catch up on #44 on my 101 list.

march goals // stephanieorefice.net

  1. Read 2 books
    I’ve been doing really well at reading books this year! If I read 2 books a month, I’ll definitely hit my 2018 goal of reading 20 books this year!
  2. 50 entries to gratitude journal
    Finishing a list of 1001 things I’m thankful for is on my 101 in 1001 list, and I’m trying to tackle it small, consistent entries at a time.
  3. Meet FitBit goals 10xs
    In February I wanted to lose 6 lbs. and then emotional turmoil. I realized that “lose weight” isn’t the same as a plan to be more active, which is really something that needs to happen in my life. Hitting my FitBit goals requires me to be more active, so while I’m not going to have a weight goal this month I’m hoping that between this and #6 I can start moving towards being more healthy.
  4. Buy flowers
  5. Try new recipe
  6. Join a gym
    One of the problems I had with running 9 miles last month (putting me 3 months behind on my goal of running 101 miles this year) is that I kept planning on running on my mom’s treadmill and kept not going to my mom’s house to work! So I’m finding solutions to excuses, haha.
  7. Track my spending
  8. List 100 items
  9. Post 6 blogs
  10. Get caught up on Poshmark books
    The past month has had a LOT of sales, and I’m in desperate need of keeping up with my expense/income so I need to get my spreadsheet and receipts organized. We got our taxes done in February and I’m ready to be really organized and on top of things for next year.

Also at the end of this month the year is a quarter of the way over, not to alarm anyone but seriously what the actual heck.

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February Debt Repayment Journey Recap

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It’s been a month, y’all.

We finally got some of our medical bills. Which is great because I just want them gone, and we can’t get rid of them if we don’t have the amount. We decided to pay them off via credit card, and here’s why:

  1. Consolidate payments
    Instead of having to pay two extra accounts, the two accounts we’ve been throwing money at will just get a surge in balance.
  2. Easier payments
    Because both of the cards are with my primary bank account and my income is almost completely dedicated to debt repayment, I can log into one account and make all of our payments from there.
  3. More vision on the numbers
    I check the credit card totals daily, because I often transfer my Poshmark earnings out daily. That means I see our goals every single day, and I try to make payments as often as possible.

It’s mostly a mind game, I guess. What is the most accessible way to pay our debts off faster? is the question I asked, and this was it. We swapped out owing new debt on new accounts for owing MORE debt on familiar ones. At the end of the day, do whatever you need to do to stay motivated and pay things off at an aggressive speed.

We received $1,851.12 in medical bills this month. UGGGHHHH. We put them on our Disney card to get the reward points (we’re going to Disneyland in May) and then paid them off. Just know that in addition to the debt repayment, we’ve been cash flowing our medical bills. I’m just glad to pay them off and not carry that balance!

We also decided that while we are going to pay my phone off as part of our debt repayment, we’re keeping it out of the snowball for now because we can’t throw extra payments at it – we have to pay it off in full. Once we’re done with the credit cards we’ll start saving for paying that off, but we need to keep up the momentum of $20 payments here and there that result in the number dropping. SO ANYWAY!

Here it is, y’all. Phew. I actually literally cannot wait to no longer be posting these because we’re debt free. One day!

Stephanie’s Phone: 814.99 779.02 {-4.41%}
Southwest Credit Card:  $314.81 0.00 {-100%}
Justen’s Car: $5,987.04 5,619.12 {-6.14%}
Stephanie’s Car: $14,394.65 $14,144.65 {-1.73%}

Total: $21,064.91 $20,542.79 {-2.47%}

2018 Total Payoff: $23,661.40 $20,542.79 {-13.18%
We’re 39.93% of the way to our 2018 goal of paying off 33% of our debt!

 

To catch up on the whole Debt Repayment journey, click here.

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