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About Me:

Sian

Joined the U.S. Army and have been deployed and PCS'd several times. Been trying to get control of my finances and getting rid of debt. Preparing myself for retirement which is still 25 years away and counting down. My goal is to get rid of debt, fund my retirement, and live my life happily.

Debt:
Capital One: PAID OFF/CLOSED!!
Rooms to Go: PAID OFF/CLOSED!!
USAA card: $0

Resort Maintenance Fees: $1,800
Apartment reno: approx $1,037.25 @ 0% - $10/mo
Timeshare: $2,753.70 @ 6% - $85.07/mo
Rewards Card: $7,751.05 @ 15.15% - $157/mo
Navient: $14,785.04 @ 4.08% $60.25/wk
Car Loan: $17,911.49 @ 13.7957% - $360/mo
Nelnet: $22,191.37 @ 5.03% - 102.16/mo

Retirement:
401K: $4,525.39 (3 Jan 2017)(increase from last amount)
Pension: $1,704.72 (3 Jan 2017)(increase from last amount)

CREDIT SCORES:
Equifax: 636 (Dec 2016)(36 point decrease)
TransUnion: 666?
Experian: 677 (Dec 2016)(24 point increase)

Short and Long Term Goals:
[X] Come up with do-able 5 year consumer debt free plan
[_] Start Birthday/Christmas fund ($100 total)
[_] Pay off Emblem credit card
[_] Start emergency fund
[_] Start putting money in Roth IRA
[_] Get rid of 50lbs and attain 12% bodyfat
[_] Clean/Organize items for Ebay/yard sale
[_] Donate items not for sale
[_] Donate to retirement home and/or shelter

I Have Been Remiss

November 12th, 2013 at 03:03 pm

Yes, I have been remiss...

I have not been as diligent concerning my finances as before. Life has gotten in the way and I have not let finances be a part of my life. Well that will be changing this month. Why?

My birthday is on the 18th! Time to realize what changes I want to make and make them. Not only financially but physically and mentally as well as emotionally.

I've even gained weight in the last few months...

So I've started back to being physically active and eating better. (destroyed 3lbs so far).

On a good note the interest rate on my timeshare has FINALLY gone down from 17% to 6%. And they backdated it! They applied a savings of $1,693.68 to my account which means that my principal went from $6,849.48 to $5,155.80. Mind you I got this in Aug 2011 and the principal was $7,618.52. Plus my payments went from $132.80 to $85.07.

So now my objective is to redo my finances and see how to apply the extra amount to my finances.

Posted in Ramblings | 2 Comments »

2 Responses to “I Have Been Remiss”

creditcardfree Says:
November 12th, 2013 at 04:21 pm 1384273269
1384273269

That is really good news on the timeshare!! Make a plan...and then work the plan. Someone on the blogs used to say that, can't remember who.
Sian Says:
November 15th, 2013 at 02:21 am 1384482103
1384482103

good tip!

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Sian's Money Matters

My path to a better life

I Have Been Remiss

2 Responses to “I Have Been Remiss”

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