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Update on paying off DH's debts

Anonymous
Posted by Anonymous
  • 26 Replies

Don't worry, I don't care if I get any responses. I just enjoy sharing our progress at this point. This month had less momentum than I'd have wanted. But things are still working out, and I'm excited about how far we've gotten. I understand others don't share in my excitement, and I apologize for those who feel offended by it.


 Date   Checking   Savings   Loan 1   Loan 2   Loan 3  Car Loan   Credit Cards   Loan 4
 Sep 1   1812.14  15000  0  0  0  0  0  -16626.24 
 Aug 1   3137.59  15000  0  0  0  -884.2  0  -16822.68 
 Jul 1   345.69  15000  0  -361.2  -818.74  -1334.2  0  -17036.62 
 Jun 1   4684.55  0  -83.11  -399.42   -877.47  -1786.03  -658.79  -17430.93 
 May 1   4728.57  0  -154.77   -436.87   -934.68  -2237.88   -1926.52  -17603.57 
 Apr 1   8405.47  0  -225.78   -473.73   -990.77  -2689.71  -6872.59  -17603.57 
 Mar 1   4879.73  0  -301.45   -511.92   -1049.74  -3141.57  -5154.24  -17810.65 
 Feb 1   4084.51  0  -376.93   -553.87   -1106.41  -3593.39  -5413.43  -18188.63 
 Jan 1   4332.03  0  -410.18   -590.07   -1161.66   -4043.39  -4332.03  -18188.62 
Posted by Anonymous on Sep. 1, 2017 at 1:11 PM
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Replies (1-10):
Anonymous
by Anonymous 2 on Sep. 1, 2017 at 1:12 PM
Get a goddamn diary
Anonymous
by Anonymous 3 on Sep. 1, 2017 at 1:13 PM
This. Seriously.

Quoting Anonymous 2: Get a goddamn diary
Anonymous
by Anonymous 4 on Sep. 1, 2017 at 1:13 PM

You should make a budget. Then your months won't have less momentum than you'd want.

Anonymous
by Anonymous 1 - Original Poster on Sep. 1, 2017 at 1:15 PM

We make a budget together every month. He's not great about following them, though. And this past month in particular he wanted to spend extra money to kind of reward himself for being so good.

August's budget, except for housing:

Aug 2017
Budgeted  SpentBalance  Item
110199.22-89.22Eating out
500893.73-393.73Groceries
668.251031.67  -363.42Medical bills
14.99234.99-220Video games
124123.020.98Gas
200708.66-508.66Target, Amazon, etc.
1445.77217.881227.89Health, Life ins
82.7162.54-79.84Car ins
11501434.2-284.2Loans
380.24662.51-282.27Utilities
120.81120.810Internet
1400140Cell phones
953.020953.02Car repairs
734.260734.26Airfare
271.480271.48Hotels
2000200Aquarium, Boardwalk, etc.
09.99-9.99LinkedIn, Adobe, etc.
027.86-27.86Uhaul, UPS, etc.
7095.525827.081268.44


September's budget, except for housing:

Sep 2017
Budgeted  Spent  Balance  Item
199.220199.22Eating out
893.730893.73Groceries
134001340Medical bills
1500150Video games
1600160Gas
2500250Target, Amazon, etc.
1445.7701445.77Health, Life ins
162.540162.54Car ins
1014.9201014.92Loans
1600160Utilities
120.810120.81Internet
1400140Cell phones
953.020953.02Car repairs
9.9909.99LinkedIn, Adobe, etc.
700007000
Quoting Anonymous 4:

You should make a budget. Then your months won't have less momentum than you'd want.

Anonymous
by Anonymous 5 on Sep. 1, 2017 at 1:18 PM

You should keep a record of what you spend your money on. Then you'd be able to figure out where you're overspending.

Anonymous
by Anonymous 6 on Sep. 1, 2017 at 1:19 PM
Looks like you all are doing good. Keep at it. And nothing wrong with a reward now and then.
Anonymous
by Anonymous 1 - Original Poster on Sep. 1, 2017 at 1:19 PM

I have tracked every penny for 2017. These are all the categories (except for taxes and housing) from January 1, 2017 to August 31, 2017, by monthly averages:

1. Debt repayment - $1,850.63
2. Medical bills - $1,636.26
3. Groceries - $486.86
4. Utilities - $446.70
5. Health/Dental/Vision ins - $417.91
6. 401k contributions: $280.88
7. Eating out - $251.33
8. Life/Disability ins - $245.59
9. Target, Amazon, etc. - $236.15
10. Gas - $161.90
11. Video games, anime, etc. - $157.42
12. Car ins - $147.12
13. Cell phones - $141.95 
14. Car repairs & tires - $138.75
15. Airfare/hotel - $125.71
16. Internet - $117.67
17. Legal bills - $54.31
18. Aquarium, boardwalk, etc. - $34.52
19. Flex Transit Account - $32.50
20. DMV - $32.00
21. ATM withdrawal - $17.50
22. Netfix, Audible.com, etc, - $14.77
23. LinkedIn, Adobe, etc. - $11.99
24. Turbotax - $9.00
25. School misc. fees - $7.50
26. Uhaul, UPS, etc. - $6.87
27. Parking, train, etc. - $3.94

Total: $7,067.73

Quoting Anonymous 5:

You should keep a record of what you spend your money on. Then you'd be able to figure out where you're overspending.

Anonymous
by Anonymous 1 - Original Poster on Sep. 1, 2017 at 1:26 PM

Thanks! I'll try to remember that.

Quoting Anonymous 6: Looks like you all are doing good. Keep at it. And nothing wrong with a reward now and then.


krisnkids
by Gold Member on Sep. 1, 2017 at 1:32 PM

Stupid question I know, but how did you go from 0 in savings to 15k?

Anonymous
by Anonymous 1 - Original Poster on Sep. 14, 2017 at 12:42 AM
No, it's not stupid. My husband got laid off from his job June 1st, soon after I'd gotten a job in late May. So it was a mix of his severance pay and my hiring bonus. He got a hiring bonus for his new job, too, but it wasn't deposited into our checking account until sometime in July, I think.

Quoting krisnkids:

Stupid question I know, but how did you go from 0 in savings to 15k?

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