Dragon Journal (![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
dragonjournal) wrote2020-09-08 06:10 pm
dragonjournal) wrote2020-09-08 06:10 pm
What do you work for?
So, today, in addition to doing my job, I came to the realization that I'm not working for retirement. I'm not. And that's okay. I'm working to travel. I have a list of places that I want to go, and I can do that. But first, yes, it requires getting debt under control. So, let's see where I'm at currently.
So, let's start with the bad. I splurged a couple of nights and bought McDs through DoorDash. I'm trying to stop, but it's not working well.
Here we are, the numbers:
CapitalOne Visa: $489.91 If you look at my last post, it was down to: $458.32. So, I fucked up. And that will be dealt with, because I'm changing my budget around next time and going to try to put $40 on this bill.
CapitalOne Car: $10,670.79 Yep, that's gone down, even though I only made one payment on it. I even put an extra 95 cents on the bill, just for bookkeeping purposes. But that's good! So hopefully, I can continue.
Elan Visa: $1377.10 This was down to just over $1324. But, I used it to pay for McDs and this is what I get. But, again, I'm putting more on it than is required and that's good, so we'll take this as a small step back.
Discover: $1476.56 It's still the same. This is a win! I haven't gone up, and that's the important part. I'll be slamming into this next pay too.
Apple: $1192.26 Again, my DoorDash McDs obsession is going to kill me. At least financially. If not literally. Sigh.
Aspire: $1486.49 Now, this one went down. It was $1570. So, almost $100! Another win! Yay me!
PayPal: $1214.91 This one also went down! Was $1233.31. Sure, that's only $20, but that's something and I call that a win.
Mattress: $835.29 This started at $1400. So, that is good. I pay $170 on it a month, and that kills that rather quickly. I need it gone before May, and then that $170 can be rolled into other things. Namely, paying on other cards/saving for vacation.
Mainly paying on other cards. Right now, I save $40/paycheck, in my Ally high yield savings account. So far, there's only $80 in it. But, that'll get higher over time. When I finish the Mattress payments, around February, I'm going to roll $70 into my savings (giving me a total of $150 per month) and add $100 on credit card payments. Most likely my CapitalOne visa, because it's got such a low amount. And by the time I pay off the Mattress, if I keep up paying $30 per month on it and then roll $100 from the mattress into it? I'll have it paid off in 8 months. That is not bad. Meaning it'll be paid off before we go on our first trip to Washington DC.
See, we have a list of places to go. Washington is not at the top of the list (That would be Paris or Dublin) but domestic trips, where we don't have to fly are not a bad idea. Plus, Sam can go with us. Meaning that we can have a blast. AJ is used to travelling with me, so he'll be stoked. Now, all of this is dependent upon the pandemic calming down, of course. Because if not, I'm not going. I'll save the money, but just not go. So, we'll see. But this is the plan. I keep changing it, but that's because things keep changing. Like my September 18th pay:
Visa: 30
Visa: 70
Discover: 50
Apple: 60
Loans: 55
Groceries: 200
Gas: 20
License: 54
Ally: 40
Washer/dryer: 70
Geico: 73
-------------
722
Now, somehow, this check is very low on bills. I don't understand why.
My paycheck, because of OT is going to be around $1240. That's okay. But that leaves me almost $520. Now, I do need to buy a few things. Gaming headsets for me and AJ for one. One for me because I want to start broadcasting on Twitch, and one for AJ because of his zoom meetings for school.
Now, beyond that, all the money can sit in the bank for random bills like Netflix, Disney and a few other subscriptions that I can never remember when they're coming out.
I might do a $100 transfer to Ally, in addition to the $40. Why? Because saving that money cannot be a bad thing.
So, that's where I'm at right now. This might change, but I doubt it. The totals will change. That's for certain. Oh, one thing I forgot. My tax return... that is going to pay off credit cards. Why? Because I need it to. Oh, not all of them, but definitely Aspire.
Maybe that'll be the only one and I'll keep paying on the others to raise my credit score. Which desperately needs help. It's at 610 But it needs to be much higher than that. Much higher! If I want to ever buy a condo? HIGHER.
I might throw my tax return at student loans, though. I'm not in default, but definitely needs those to go down. Something to ponder.
So, let's start with the bad. I splurged a couple of nights and bought McDs through DoorDash. I'm trying to stop, but it's not working well.
Here we are, the numbers:
CapitalOne Visa: $489.91 If you look at my last post, it was down to: $458.32. So, I fucked up. And that will be dealt with, because I'm changing my budget around next time and going to try to put $40 on this bill.
CapitalOne Car: $10,670.79 Yep, that's gone down, even though I only made one payment on it. I even put an extra 95 cents on the bill, just for bookkeeping purposes. But that's good! So hopefully, I can continue.
Elan Visa: $1377.10 This was down to just over $1324. But, I used it to pay for McDs and this is what I get. But, again, I'm putting more on it than is required and that's good, so we'll take this as a small step back.
Discover: $1476.56 It's still the same. This is a win! I haven't gone up, and that's the important part. I'll be slamming into this next pay too.
Apple: $1192.26 Again, my DoorDash McDs obsession is going to kill me. At least financially. If not literally. Sigh.
Aspire: $1486.49 Now, this one went down. It was $1570. So, almost $100! Another win! Yay me!
PayPal: $1214.91 This one also went down! Was $1233.31. Sure, that's only $20, but that's something and I call that a win.
Mattress: $835.29 This started at $1400. So, that is good. I pay $170 on it a month, and that kills that rather quickly. I need it gone before May, and then that $170 can be rolled into other things. Namely, paying on other cards/saving for vacation.
Mainly paying on other cards. Right now, I save $40/paycheck, in my Ally high yield savings account. So far, there's only $80 in it. But, that'll get higher over time. When I finish the Mattress payments, around February, I'm going to roll $70 into my savings (giving me a total of $150 per month) and add $100 on credit card payments. Most likely my CapitalOne visa, because it's got such a low amount. And by the time I pay off the Mattress, if I keep up paying $30 per month on it and then roll $100 from the mattress into it? I'll have it paid off in 8 months. That is not bad. Meaning it'll be paid off before we go on our first trip to Washington DC.
See, we have a list of places to go. Washington is not at the top of the list (That would be Paris or Dublin) but domestic trips, where we don't have to fly are not a bad idea. Plus, Sam can go with us. Meaning that we can have a blast. AJ is used to travelling with me, so he'll be stoked. Now, all of this is dependent upon the pandemic calming down, of course. Because if not, I'm not going. I'll save the money, but just not go. So, we'll see. But this is the plan. I keep changing it, but that's because things keep changing. Like my September 18th pay:
Visa: 30
Visa: 70
Discover: 50
Apple: 60
Loans: 55
Groceries: 200
Gas: 20
License: 54
Ally: 40
Washer/dryer: 70
Geico: 73
-------------
722
Now, somehow, this check is very low on bills. I don't understand why.
My paycheck, because of OT is going to be around $1240. That's okay. But that leaves me almost $520. Now, I do need to buy a few things. Gaming headsets for me and AJ for one. One for me because I want to start broadcasting on Twitch, and one for AJ because of his zoom meetings for school.
Now, beyond that, all the money can sit in the bank for random bills like Netflix, Disney and a few other subscriptions that I can never remember when they're coming out.
I might do a $100 transfer to Ally, in addition to the $40. Why? Because saving that money cannot be a bad thing.
So, that's where I'm at right now. This might change, but I doubt it. The totals will change. That's for certain. Oh, one thing I forgot. My tax return... that is going to pay off credit cards. Why? Because I need it to. Oh, not all of them, but definitely Aspire.
Maybe that'll be the only one and I'll keep paying on the others to raise my credit score. Which desperately needs help. It's at 610 But it needs to be much higher than that. Much higher! If I want to ever buy a condo? HIGHER.
I might throw my tax return at student loans, though. I'm not in default, but definitely needs those to go down. Something to ponder.