It has been a couple of months since I have checked in and for that I apologize. One very good thing happened in my time away from you and that very good thing would be I got our Home Equity loan paid off!! Yes! The last $300 of that balance and filing fees was paid in June and I am just waiting for my recorded discharge.
Even though our debt balance went up because of the medical bills and tractor, that home equity being paid in full is quite an amazing feeling. Having a debt of $17,000 get paid in full is a big accomplishment. We can handle these smaller debts much easier.
With $328 a month freed up from the Home Equity payment we can put it into the medical bill debt. When I started the medical bill debt was $3461.27. So far this month I have gotten $518.78 paid on that debt and it is now down to $2942.49. Not bad!
One more debt we have added to which I am fessing up to right now is we are going to Ireland this summer for our daughter’s wedding. Yes Ireland! Normally we wouldn’t take such an extravagant trip but this is a special circumstance. With this trip we have learned a lot about traveling internationally so far and with that came the cost of three passports, hotels, car rentals, airfare, insurance, and spending money. We paid the passports in cash because we could not charge them but the rest, you guessed it, had to go on the credit card. Hey, it’s a rare change of a lifetime and what’s an extra $3000?
So after medical bills, new tractor, and a trip to Ireland our debt is back up to $32,080.81.
Not great huh? After we get back from Ireland our school taxes are due and we need our boiler looked at before snow flies so I will probably not have much of a chance to get any extra debt paid off until October. Major bummer. However, in October there are five paychecks for each of us so my goal is to get $1000 extra paid off in the month of October.
Thanks for the support on all of this my friends. We know you are rooting for us. I’ll check back in, in a couple of weeks! -MM
I would love to hear about your debt repayment goals and what has worked for you. Message me at marymargaretripley@yahoo.com with your debt stories!
The Professional Domestic 
You are correct about the trip to Ireland, and because you have worked so hard up to this point, you actually have the wiggle room to use the credit card. You have a couple of months here to dent the credit card bill, and if you can manage the school taxes with cash this fall, you will be in a good position. Keep after it!
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Thank Kathy! School taxes will be paid in cash so hopefully nothing other than an emergency will go on a credit card. Each time we get something paid off we have more room to wiggle which feels wonderful 🙂
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Amazing the difference a year makes! Enjoy Ireland!
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