Beachgirl's Budget Blog

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  • Debt-o-Meter (as of 2/28/15)

    Citicard BT - Paid 11/14
    100%
    $2,060.00


    D's Law I - Paid 8/14
    100%
    $1,128.92


    D's Law H - Paid 10/14
    100%
    $1,786.90


    D's Law C - Paid 12/14
    100%
    $3,271.61


    D's Law G - Paid 1/15
    100%
    $3,886.30


    D's Law D
    Current Balance: $5,413.10
    Interest Rate: 7.9%
    Amount paid: $2,448.68
    31.2%
    $7,861.78


    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 Priv #1
    Current Balance: $5,317.57
    Interest Rate: 4.75%
    Amount paid: $5,698.97
    51.7%
    $11,016.54


    D's Law F
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $14,868.31


    D's Priv #2
    Current Balance: $18,199.81
    Interest Rate: 3.41%
    Amount paid: $2,742.60
    13.1%
    $20,942.41


    D's Law B
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $39,666.57


    T's Law
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $39,472.69


    T's Fed #1
    Current Balance: $11,300.53
    Interest Rate: 1.625%
    Note: $0 due based on IBR
    20.4%
    $14,198.74


    T's Fed #2
    Current Balance: $19,736.39
    Interest Rate: 1.625%
    Note: $0 due based on IBR
    24.1%
    $26,000.00

February 2015: Snowflaking

Posted by beachgirl on 03/05/2015

Total: $2,446.92

  • $200.00 – Monthly
  • $568.86 – Earnings from law firm
  • $35.00 – Selling wedding items
  • $200.00 – Selling desk
  • $34.41 – Left over from electric
  • $4.22 – Left over from water
  • $1,404.43 – Left over from wedding funds/savings

Posted in Snowflake | Leave a Comment »

My Net Worth: February 2015

Posted by beachgirl on 03/02/2015

Feb 2014 Net Worth

 

Change since 12/31/2005: -$31,249.60

Posted in My Net Worth | Leave a Comment »

January 2015: Debt Update

Posted by beachgirl on 02/14/2015

Below is the chart showing all of our debts as of the end of December 2014 and the end of January 2015.  Most of our loans are on the Income-Based Repayment program.  Currently, because our income is so low, we aren’t required to make any payments on them.  The only two that have payments due are D’s two private loans.

In January, we paid off “D’s Law G.”  Now, we’re focusing on “D’s Law D.”  It’ll probably take us a while to pay it down.

Jan 2015

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Goals for February 2015

Posted by beachgirl on 02/11/2015

  • Have 14 “No Spend” days
  • Put at least $500 towards D’s law loans
  • Finish Book 5 of “Game of Thrones”

Posted in Monthly Goals | Leave a Comment »

Goals for January 2015 – Recap

Posted by beachgirl on 02/08/2015

  • Exercise 3x’s per weekSUCCESS!!
  • Have 13 “No Spend” days – SUCCESS!!  I had 20.  Woohoo!
  • Start my new job – SUCCESS!!
  • Put at least $300 towards D’s law loans – SUCCESS!!  We put over $3,000.

Posted in Monthly Goals | Leave a Comment »

January 2015 Snowflaking

Posted by beachgirl on 02/05/2015

Total: $3,806.67

  • $251.00 – Monthly
  • $37.74 – Left over from groceries (Dec)
  • $65.83 – Left over from groceries (Jan)
  • $100.00 – Gift
  • $6.00 – Pinecone earnings
  • $3,340.00 – Money transferred from business account
  • $6.10 – Stock dividend

Posted in Snowflake | Leave a Comment »

My Net Worth: January 2015

Posted by beachgirl on 02/02/2015

Jan Net Worth

Change since 12/31/2005: -$36,218.13

Posted in My Net Worth | 1 Comment »

Another student loan paid off

Posted by beachgirl on 01/19/2015

On January 13th, we paid off another of D’s law school loans.  The first payment was made on December 9th, so we paid it off in just over a month.  We were able to do so because of my closing my law firm to start my new job.  The next loan on the list has a balance of $7,883.07, so it’s going to take a while to pay that down.

G Loan payoff

Posted in Debt Repayment | 1 Comment »

Goals for 2014 – End of Year Update

Posted by beachgirl on 01/14/2015

At the beginning of the year, I listed several goals for 2014.  I previously posted status updates here and here.  Here’s how I did in the end.

1) Read 12 books — Passed!!  As of August, I’d already read 14 books.  Since then, I read 9 more.  So, that’s a total of 23 books.

2) Pay for our wedding without going into debt — Passed!!

3) Stay on budget every month — Passed!!

4) Run in 5k — Failed!!  I decided to not do this.

5) Make 1 new recipe a month — Passed!!  I missed one month, but made two the next month.

6) Snowflake at least $500 to Savings — Passed!!

Posted in Yearly Goals | Leave a Comment »

December 2014: Debt Update

Posted by beachgirl on 01/12/2015

Below is the chart showing all of our debts as of the end of November 2014 and the end of December 2014.  Most of our loans are on the Income-Based Repayment program.  Currently, because our income is so low, we aren’t required to make any payments on them.  The only two we have payments due are D’s two private loans.

However, I start my new job on the 12th, and my income will allow us to start paying more on the loans.  We’re currently focused on paying “D’s Law G” listed below.  We hope to pay that one off by the end of the year, if not sooner.

Dec 2014

Posted in Debt Repayment | Leave a Comment »

 
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