Beachgirl's Budget Blog

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    Capital One 360: Earn at least $25 for signing up
  • Debt-o-Meter (as of 3/31/15)

    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: $4,824.98
    Interest Rate: 7.9%
    Amount paid: $3,036.80
    38.6%
    $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: $5,232.46
    Interest Rate: 4.75%
    Amount paid: $5,784.08
    52.5%
    $11,016.54


    D's Law F
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $14,947.24


    D's Priv #2
    Current Balance: $18,112.30
    Interest Rate: 3.41%
    Amount paid: $2,830.11
    13.5%
    $20,942.41


    D's Law B
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $39,877.16


    T's Law
    Interest Rate: 6.8%
    Note: $0 due based on IBR
    0
    $39,636.81


    T's Fed #1
    Current Balance: $11,316.01
    Interest Rate: 1.625%
    Note: $0 due based on IBR
    20.3%
    $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

March 2015: Debt Update

Posted by beachgirl on 04/10/2015

Not as much progress in March compared to the last few months, but every little bit helps.  My extra summer job starts up this month, so that should help with paying extra each month.  I’m also hoping to close my firm bank account this month, which will give me some extra money to pay towards loans.  And I’m hoping to be paid for some work I did before my firm closed.

Mar Debt

Posted in Debt Repayment | Leave a Comment »

March 2015: Snowflaking

Posted by beachgirl on 04/06/2015

Total: $620.63

  • $410.00 – Monthly
  • $78.74 – Earnings from law firm
  • $94.34 – Left over from Groceries (February)
  • $37.55 – Left over from Groceries (March)

Posted in Snowflake | Leave a Comment »

My Net Worth: March 2015

Posted by beachgirl on 04/02/2015

Mar 2015 Net Worth

Change since 12/31/2005: -$31,677.30

Posted in My Net Worth | Leave a Comment »

February 2015: Debt Update

Posted by beachgirl on 03/11/2015

We’re continuing to progress on paying down our student loans.  D and I are both going to work another job this summer to help bring in extra money.  I worked at the same place last summer and it really helped out.  I won’t be able to work as many days as I did last summer since I have a full-time job this time around, but every little bit helps.  If things go well this summer, we should be able to pay off Loan D and start working on the next one.

Feb Debt

Posted in Debt Repayment | Leave a Comment »

Goals for February 2015 – Recap

Posted by beachgirl on 03/08/2015

  • Have 14 “No Spend” daysSUCCESS!!
  • Put at least $500 towards D’s law loansSUCCESS!!  We put over $2,000 towards them.
  • Finish Book 5 of “Game of Thrones”SUCCESS!!  Can’t wait til the next one comes out.

Posted in Monthly Goals | Leave a Comment »

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 »

 
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