I don't know what my issue has been lately, financially. I just feel kind of apathetic, which I have no business feeling, since I still have a ton of debt to paydown. I don't want our debt to go up, but I have not been monitoring our spending at all lately. Of course, all the bills are paid on time, but I just feel like I am doing the bare minimum right now, financially. I need to get out this mindset and get focused again.
First things first, a debt paydown update:
| Start | 15-Aug | ||
| Sallie Mae | 12762 | 12055 | |
| Wells Fargo | 11700 | 11005 | |
| Campus Loan | 8250 | 7393 | |
| Chase 2 | 2300 | 1340 | |
| Credit Union Card | 700 | 680 | |
| BOA | 9300 | 9094 | |
| BOA 2 | 1833 | 2152 | |
| Car Loan | 7875 | 4313 | |
| Chase 3 | 1710 | 0 | |
| Chase | 2353 | 0 | |
| Car Loan 2 | 2090 | 0 | |
| Target | 149 | 0 | |
| DH School | 376 | 0 | |
| Capital One | 376 | 0 | |
| 61774 | 48032 | ||
This is not good. We have officially gone in the wrong direction. There has been no emergency that caused this. We just had some irregular expenses that I overlooked, we have been eating out A LOT, and we have been spending money left and right on extras that we don't really need. This has to stop immediately.
Our savings is up to $678, so that is a small victory, even though we needed to add way more than that. Blah. Just blah.
Seems to be bad Financial planning.
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