Not Impressed with our Debt – September Update

At the end of August I had an interesting comment from my 20 year old. He said mom, if I hadn’t already known about your plans to pay off your credit card I would not have noticed you were in save mode. In other words our lifestyle hasn’t changed much in the last 3 months whether it be food or entertainment. That’s a good thing! It put a smile on my face for sure.

For the month of September I definitely struggled to keep that same outside public facing image though at least from my perspective. I am sure I am being my harshest critic but September was tough. Which is a bit frustrating because on paper we went into the month looking fantastic.

I did not hit my goal of putting all three of my paychecks into my credit card debt like I wanted but I did pay our school taxes in full and on time and that was much more important to my husband than putting that extra paycheck into the credit card debt. I am not so sure that was the right decision actually, but this debt paying thing is a two way street and we both need to feel good about it, right?

Here is the breakdown for September:

  • Credit card balance at the end of August $4,500
  • Credit card balance at the end of September $3011.20
  • Total credit card debt paid off in September $1488.80
  • Total credit card debt paid in three months $4968.62

We are just shy of $5,000 in credit card debt paid off in 3 months. Absolutely incredible!

I also paid the school taxes of $1557 which we should consider a debt right?

You might ask, how the heck did I pay all of this debt off and still maintain my sanity? It was not easy at all. My secret has been my two side gigs on top of my full time job. We would not be able to survive without them! You can’t expect to pay off large amounts of debt quickly just by reducing your expenditures and using your current income. You have to get a second (or third) job and really work hard for a few months in order to achieve your debt paying goal. However don’t work so hard like I did last month and land yourself at the chiropractor’s office from lifting too many trays for home delivery lol!

Even though September was a hard month I am happy to say we ate well, paid all of our bills, paid the school taxes and paid almost $1500 in debt off this month. That’s something to celebrate!

Till next month! -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.

5 thoughts on “Not Impressed with our Debt – September Update

    1. School and town and county taxes have a lot of variables. Our home is only assessed at a little over $90,000 and our combined income is under $100,000 so we qualify for STAR which saved us about $600 on our school taxes.


      1. Oh I know about the assessment thing. It’s great you qualify for STAR to save money. I just had no idea school taxes could ever be so low.


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