Skip to main content

Where We Stand

By

The last of our debt – to any one person or institution on this earth – is right here:

image

That’s it. $9,322.78. We basically owe Navient a used Kia Sorento.

Here’s where we were as of Christmas Eve, 2014:

No automatic alt text available.

 

I want to make it clear for those just now tuning in. Over the last two and a half years:

  • We paid off nearly $6,800 in credit cards.
  • We paid off a surprise hernia surgery for Ruth ($1,700)
  • We paid off Amazewife’s student loans in full to the tune of $15k.
  • We’ve paid off all but the above amount of my $15k student loans.
  • We owe no money on car payments. Instead we’ve sent three vehicles out to pasture: our Silhouette, the Suburban and the LeSabre. We currently drive a Toyota Sienna and the Ford Taurus.
  • We’ve paid cash for everything, including:
    • Car repairs and replacements, the surprises and the planned
    • Vacations (the ones we could afford)
    • Our 5 month old, Weston Anthony.

Image may contain: 1 person, closeup

That $9k is going to die. We were planning on having all $9k paid off by March 27. Amazemom is taking all of us undeserving children to Disneyland that day. Doesn’t look like that is in the cards. It will be closer to May.

I’m posting this to share with you where we stand. I hope you find hope in it with your money.

I could go in to a lot of other things. I could point out that there seem to be some White House staff that have gone rogue on Facebook. I could describe my feelings about President Trump’s Immigration Ban EO. I could even ramble on about how I’ve lost 20 lbs. since changing my diet, 7 of which I’ve lost in the last three weeks since dropping sugar and added sweeteners. (I do a kettlebell routine MWF and run TTh.)

But that’s not what this blog is for.

Ok, it’s kind of what this blog is for. I’m trying to record as much as I can. But it’s focus is on us smashing our debt. It’s about us living like no one else so that we can live like no one else. It’s about you believing you can, too, because you read about it here, on the internet.

So stay tuned. The funeral procession for the last of the Gardner family debt is coming ‘round the bend. How far away is yours? How far away do you want it to be?

ROE INTENSE

Comments

Post a Comment

Popular posts from this blog

5 Things Every Pizza Delivery Driver Needs for Success

By
Updated: 2/1/2016. “How many times has Dave Ramsey said, ‘Deliver pizzas’?” Said s omeone on the Dave Ramsey forums . The answer is: lots. I hear it often when I listen to his show. That and ‘sell the car.’ ( Car payments KILL people’s wealth-building income every month. ) Since first posting this list back in December of 2014, I’ve heard great, quality responses and suggestions. The original list of five things has been updated as follows: A kit for receipt convenience   A fuel efficient car with an accurate GPS A need for speed The “Wow!” extras A smile These tips apply no matter what company you drive for. (No pun intended.) Let’s learn something.   1. You need a kit for receipt convenience   Don’t underestimate the power of a simple receipt kit. It is as follows: A clipboard. A suitable pen for your clipboard. A cheap, small flashlight with a clamp or a tether. A clipboard and pen are must-haves. It is easier on you. It is easier on them....
8 comments
Read more

Days 21 & 22: Numbers and Anecdotes

By
Friday night and Saturday were both lows. We were hopping. Deliveries were going bonkers. Dishes needed done. Prep was heavy. Low-ness was in tips. $40.50 Friday and $36.29 Saturday. I’ve decided to refer to my big coworker as Merc. You say it like “murk”. You see, Merc is a Yu-Gi-Oh nerd. Self-proclaimed. As in, started a deck club in High School that thrives to this day. Angels sing and little pasty-white boys start to fawn when he walks in and throws down. He was furious today. Total meltdown. Dropped pizzas. Ripped his pants. He was embarrassed and felt humiliated. Things were not going well. At one point he yelled, “I quit!” and headed toward the front. I got out of the way and kept busy. He didn’t quit. A manager helped him out. He was morose after that. No more outbursts. Merc is also a talker. A couple of hours had passed from the outbursts. I was unleashing the Dishwasher on millions of unsuspecting bacteria and food chunks. He was making the next batch of deliciousness...
1 comment
Read more

Day 37: November Numbers

By
Happy Thanksgiving, folks! Here are the numbers for November: Tips+Miles/Hr. is the amount of money above and beyond my hourly wage. It represents the amount I bring home in cash every night. Overall I netted $44.54 less in November than I did in October, with gains in all other areas. I saw a 15% ($1.19) increase in my average Tips+Miles/Hr. take-home. My highest Tips+Miles/Hr. saw a 65% ($7.18) increase on November 15th. My lowest also came up by 37% ($1.31). My research indicates that my net loss is more due to days off. My most notable days off were Friday, 11/21 and Saturday 11/22. On 11/21, I surprised Amazewife by singing All of Me by John Legend to her at a talent show in front of millions, if not billions… Poor sound, but don’t worry. Not missing much.   On 11/22 when her and I attended the Golden Gophers game . It was fun! If I had worked those two days and made the average amount of tips, we would have netted ~$154 more than October. Both of those experie...
Post a Comment
Read more