Beachgirl's Budget Blog

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  • Debt-o-Meter (as of 7/31/15)

    Citicard BT - Paid Nov '14
    100%
    $2,060.00


    D's Law I - Paid Aug '14
    100%
    $1,128.92


    D's Law H - Paid Oct '14
    100%
    $1,786.90


    D's Law C - Paid Dec '14
    100%
    $3,271.61


    D's Law G - Paid Jan '15
    100%
    $3,886.30


    D's Law D - Paid Jun '15
    100%
    $7,861.78


    D's Priv #1
    Current Balance: $4,867.63
    Interest Rate: 4.75%
    Amount paid: $6,148.91
    55.8%
    $11,016.54


    D's Law A
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $8,517.40


    D's Law E
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $8,517.40


    D's Law F
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $15,178.95


    D's Priv #2
    Current Balance: $17,762.75
    Interest Rate: 3.41%
    Amount paid: $3,179.66
    15.2%
    $20,942.41


    D's Law B
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $40,495.33


    T's Law
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $40,118.57


    T's Fed #1
    Current Balance: $11,354.97
    Interest Rate: 1.625%
    Note: $0 due based on IBR
    19.9%
    $14,198.74


    T's Fed #2
    Current Balance: $19,747.81
    Interest Rate: 1.625%
    Note: $0 due based on IBR
    24.0%
    $26,000.00
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  • Disclaimer:

    *Please note, I am not a financial expert and any information on this site should be taken with that in mind.

Goals for July 2015

Posted by beachgirl on 07/15/2015

  • Put at least $1,000 towards our down payment fund
  • Go through file cabinet & scan documents
  • Finish reading “Outlander”
  • Create new cleaning schedule

Posted in Monthly Goals | Leave a Comment »

Goals for June 2015: Update

Posted by beachgirl on 07/12/2015

  • Put at least $1,250.00 towards D’s law loansSUCCESS!!  We put $2,103.26 towards it this month.
  • Go through books & get rid of ones I no longer want – SUCCESS!!  I went through my books but ultimately decided not to get rid of any at this time.
  • Go through file cabinet & scan documents FAIL!!

Posted in Monthly Goals | Leave a Comment »

June 2015: Debt Update

Posted by beachgirl on 07/09/2015

As I showed in a recent post and as you can see below, we paid off another of D’s law school loans this month.  We originally thought we wouldn’t pay it off until July or August, so we were very excited to pay it off in June.  Now that we paid off the last of D’s loans that had an interest rate of 7.9%, we are going to switch gears and start saving for a down payment.  Which means that we won’t be paying much towards our student loans for a little bit.  (D has two private loans that we have to pay each month, but all the rest are in income-based repayment and our payment is $0.)  I’m going to do a post later this month about our house buying plans/goals and our future student loan repayment goals, so stay tuned for that.

Debt

Posted in Debt Repayment | Leave a Comment »

June 2015: Snowflaking

Posted by beachgirl on 07/06/2015

Total to Student Loans: $2,013.26

  • $35.83 – Left over from electric (May)
  • $26.80 – Left over from groceries (May)
  • $733.50 – Monthly
  • $313.00 – Tips
  • $6.00 – Pinecone earnings
  • $10.00 – MySurvey.com earnings
  • $667.50 – Firm earnings
  • $220.63 – Other

Total to House Down Payment: $182.23

  • $120.00 – Tips
  • $25.50 – Capital One rewards
  • $36.61 – Left over from groceries (June)
  • $.12 – Interest

Posted in Snowflake | Leave a Comment »

My Net Worth: June 2013

Posted by beachgirl on 07/03/2015

Net Worth

Change since 12/31/2005: -$25,384.02

Posted in My Net Worth | Leave a Comment »

Another student loan paid off

Posted by beachgirl on 06/24/2015

On June 19th, we paid off another of D’s law school loans.  The first payment was made on January 19th, so we paid it off in exactly 5 months.  Our next goal is a change from the original plan.  Originally, we were going to move onto the next student loan.  But we’ve decided to start saving for a down payment on a house.

Nelnet

Posted in Debt Repayment | 2 Comments »

Goals for June 2015

Posted by beachgirl on 06/15/2015

  • Put at least $1,250.00 towards D’s law loans
  • Go through books & get rid of ones I no longer want
  • Go through file cabinet & scan documents

Posted in Monthly Goals | Leave a Comment »

Goals for May 2015: Update

Posted by beachgirl on 06/12/2015

  • Put at least $1,000 towards D’s law loansSUCCESS!!  We put $1,319.59.
  • Look into consolidating my student loansSUCCESS!!
  • Finish transferring stuff to my new computerFAIL!!  I got a lot of it transferred, but I still have some stuff left to move.
  • Burn wedding video to DVD & mail to familySUCCESS!!

Posted in Monthly Goals | Leave a Comment »

May 2015: Debt Update

Posted by beachgirl on 06/09/2015

May was another good month for putting money towards student loans.  Our goal right now is to pay off D’s Law D loan by August at the latest.  We think we might be able to pay it off in July, but we’ll have to see.

Debt

Posted in Debt Repayment | Leave a Comment »

May 2015: Snowflaking

Posted by beachgirl on 06/06/2015

Total: $1,319.59

  • $225.00 – Monthly
  • $660.11 – D’s work
  • $45.30 – Left over from Electric
  • $385.00 – Tips
  • $4.18 – Misc

Posted in Snowflake | Leave a Comment »

 
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