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Monster Mom Loan Payment and Rambling

November 30th, 2019 at 06:57 pm

I had expected to pay $800 this payday towards the Mom loan, but I ended up paying $1000. I had forgotten that since this was a 3 payday month that the last paycheck of the month would be bigger as they don't take any medical out of it. So that extra $200 went towards this loan instead. That means a total of $1500 was paid on the loan this month. By the end of December the loan will be down to 4 digits.

$11,500.00 Balance Forward
-_1,000.00 Payment Made
-------------------
$10,500.00 New Balance

I have rejiggered the budget again and think that as long as we keep our eating out spending under control we can continue to pay $1500 a month. I just have to keep telling myself that I'd rather be out of debt than to buy a pizza. It doesn't always work, but it works more often than not. I have all the ingredients for making pizza. I do not need to buy one from a restaurant.

Plus I have started back on a diet yesterday, and eating out always makes my weight go up, so that is another incentive to stay out of restaurants and cook at home. I would like to be under a certain weight by my 50th birthday mid-February. I think I can do it if I stick to no restaurant food.

I am thinking about doing a dietbet once I am a few days into eating better again, but I don't know. I am still doing my physical therapy exercises and need to get back to walking. The weather turned beautiful but cold again, so since it isn't raining, I need to start again. Just lacking a bit of motivation.

6 Responses to “Monster Mom Loan Payment and Rambling”

  1. pjmama Says:

    Amazing progress! It'll feel so great to have that loan down to four digits!

  2. Lucky Robin Says:

    Yes, it will. I am itching to have this thing gone and be completely debt free.

  3. mumof2 Says:

    wow that is a big step getting under $10,000..congrats...you guys must be so excited

  4. Amber Says:

    Yay, way to go on knocking down the mom loan. What’s a dietbet?

  5. rob62521 Says:

    You are working hard at chipping away at that loan. Bravo!

    I think eating out causes most of us to eat more than we should because the portions are so darn big.

  6. Lucky Robin Says:

    Amber--Dietbet.com is an organization where you can make a small bet (or a large one) based on how much weight you lose in a 28 day period or a 6 month period. It is based on percentages. If I remember right the 28 day period has a higher percentage than the 6 month period, but it is only by 1 percent. If you win your percentage you get a portion of the pot of whatever group you choose to join. If you don't, you lose your money. I think $25 is the average bet, or it used to be. I consider it like paying for a month of Weight Watchers whether I win or not. I have won several times and lost twice, but I benefited from the group support.

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