Not Impressed with our Debt – Week 35 of 80

It’s been a stressful month in lots of ways but being at week 35 of our 80 week debt paying challenge, I expected it.

We are to the point in our debt payoff that each week we get closer to blowing this thing wide open but it’s a delicate balance as well.

Two weeks ago I overdrew the checking account. I should have done things a little different that week and not pushed so hard. I lost $40 of our hard earned money which sucked but I had to move on from the massive guilt I felt over it. Feeling guilty is not productive. I am a grown woman and I constantly am pushing the envelope with this. I take full responsibility.

Unfortunately I did not get the home equity paid off this month like I wanted but I did pretty good! At the beginning of March it was just under $1900. Right now that balance, without closing fees, is $900! Almost there!

My husband’s car was in need of a pretty major repair that cost $500 today. He was nervous even driving it very far. Although I was bummed because I knew that meant I couldn’t finish paying off the loan, it did make me feel good knowing we could pay for that repair in cash and not use the credit card. Huge progress for us!

At my last results update in mid February our debt was $27,011. As of today our debt is $25,421.

I am happy to report since August, which is 8 months, we have paid off $10,500 in total debt. Yippee!

We will see what April brings us. I will check in again in a few weeks.

How are you doing on your debt paying journey? -MM

Published by marymargaretripley

I am a professional Bakery Manager at a privately owned grocery store. I also owned my own bakery for over four years. I have been baking for 15+ years professionally. I also teach canning and preserving classes and have been gardening since I was 5 years old. I live in Western, NY with my husband, teenage son, Bernie the Cat and Muffins the Hamster.

7 thoughts on “Not Impressed with our Debt – Week 35 of 80

  1. Paying the car repair in cash is pretty monumental! I know you felt be about the overdraft, but in the long range, it’s really amazing the you’ve had only one oops in the last eight months. Next month it will be good bye home equity!

    Like

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