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Debt Payoff--Monster Mom Loan Payment

October 18th, 2019 at 12:54 pm

$13,000.00 Balance Forward
-_1,000.00 Payment Made
------------
$12,000.00 New Balance

It's getting closer and closer to debt free.

Debt Under $20K!

April 5th, 2019 at 10:59 am

$20,200.00 Balance Forward
-__,500.00 Loan Payment
------------
$19,700.00 New Balance

It is so nice to finally see a 1 starting the remaining loan balance. I had hoped to pay $700 this payday, but had an unexpected doctor's bill turn up, so that didn't happen.

Trucking Along

April 1st, 2019 at 11:25 am

I need to go to Winco and pick up a bag of oats for the rabbits. The feed stores have been getting corn in their oats the last several times we have gotten them and the rabbits can't eat corn. It has been a real pain in the butt to deal with. So I am hoping that oats from Winco will be clean. Since they are for human consumption there is better quality control. It's a little more expensive this way, but I'd rather that than risk killing my rabbits.

I've been on the Enbrel for a few days now and I continue to improve. The swelling in my legs has gone way down. It used to be a constant. A large part of my pain is gone throughout the day, though by evening I do have some that comes back. It is not as bad as before, though. I get a little queasy in the mornings, but haven't thrown up after the first morning post injection, and it seems a little less each day. I am starting to feel like a semi-functional human being.

I still haven't quite shaken this cold, but I am getting there. I'm able to do all my indoor chores again. I haven't tried to do my outdoor stuff yet. Seasonal allergies have piled on top of it, though, so there is just a lot of nose blowing going on still. I didn't sleep very well last night or the night before, which doesn't help with getting better. I keep waking up too early. I've tried going to bed earlier to compensate, but then I just lay there not sleeping until the normal time I fall asleep. Very exhausting.

I am looking forward to payday as we will be able to make some more progress on the loan. I'm not sure I'll be able to pay as much as I was hoping. We've got a couple things that have come up that need to be taken care of. Isn't that always the way? I'll still be able to make an extra payment, though.

Figuring Out the New Budget

March 22nd, 2019 at 01:55 am

The paycheck hit the account early. Usually it isn't in there until eight a.m. So I went ahead and did the budget for the end of March (and what I didn't do out of last time's paycheck because I was sick) and then closed out the budget for the month. After that, since this paycheck did have the new amount with the raise on it, I changed my budget template to account for the increased money and then I set up the April budget.

So it looks like we will have $1177.54 more in each paycheck. Now some of that will go to increasing the tithe amount to keep it at 10%, but the rest is all going to be thrown at the monster mom loan. If we are careful, I should be able to make payments of $700 the first payday of each month and $1300 the second payday of each month. At least barring any unforeseen circumstances.

I would have actually been able to make a $1000 payment this time, but I doubled the clothing budget as DH ripped out yet another pair of pants. He does this by getting down on one knee and then stretching forward to pick something up. I tell him not to do it, but he keeps doing it. And it always rips outside the seam so it can't be repaired. So he needs to get a couple of pairs of pants, DD needs a new cardigan (she gets called so easily even when it is warm out), I need a new cardigan and possibly a couple t-shirts. I need to go through my closet to be sure, but I think I need at least two.

I paid off the credit card (which I do monthly), but it was high this time because of all the take out while I was super ill. So if not for that I would have been able to make a $1300 loan payment this payday.

I am feeling a lot better. I still have a runny nose and a cough, but I have been able to sit up all day for 2 days running, and I was able to make dinner three days in a row now, so there should not be anymore take out, except for the weekly meal that MIL pays for if we choose to have it.

I am still not super hungry. The flu really killed my appetite. I've lost 17.4 pounds total since the 6th. Not on purpose, but I'll take it. I am up to one meal and one snack a day, but will try to get up to one meal and two snacks tomorrow. But eating is still a chore. But I really need to make sure I am eating at least 1200 calories.

I went grocery shopping today. Just one store and I used up the rest of last payday's grocery budget. I will do more shopping tomorrow with the new grocery budget. I figured it would be easier on me to just do one store today and one store tomorrow, than try to do two or more stores in one day. I don't have the stamina for it. I did make it through the shopping without having to use my inhaler, so I've vastly improved since the last shopping trip.

So at Haggen I spent $192.43 and bought:

Aspargus
Green cabbage
Scarlet carrots
Daikon
Red grapes
Oranges
Green bell pepper
Red bell pepper
Strawberries
2 beef chuck roasts
3 family sized packages of sirloin steaks
1 pork shoulder roast
1 package chorizo sausage
1 sliced ham chub
1 sliced turkey chub
Popcorn
1 loaf of Naked bread
1 package of Naked hamburger buns
4 jars of Classico Alfredo sauce
4 jars of Miracle Whip

The last two items were on super good sales, but you had to buy 4 to get the sale price. That's okay, though. The MW will last us until the next big sale and at $2.99 it was half price. The Alfredo sauce I use at least twice a month for Chicken Fettucine Alfredo and at least twice a month for the kids' pizzas (DD can't eat tomato sauce anymore). I make them a chicken parmesan bacon pizza with Alfredo sauce. It's honestly just like the one from Pizza Hut only no tomatoes. The kids say it is actually better. Probably because I cook my crust to crispy, unlike PH.

I still have to make up a meal plan for next week. I will be making pizzas tomorrow, burgers and jo-jos on Saturday, and pot roast on Sunday. I'll work on next week's meal plan after I've finished all the grocery shopping.

Another Loan Payment

March 22nd, 2019 at 12:56 am

$21,000.00 Balance Forward
-__,800.00 Payment Made
-------------
$20,200.00 New Balance

Next payday that first digit will be a 1. So close I can taste it.

Loan Payment

March 20th, 2019 at 01:58 pm

I forgot to post that I made a loan payment to the monster mom loan from the last paycheck.

$21,500.00 Balance Forward
-__,500.00 Payment Made
-------------
$21,000.00 New Balance

Friday should be the first payday with the raise on it, assuming no one screwed up in payroll. Then I should be able to start making some serious headway on knocking out this loan.

Monster Mom Loan Payment

February 24th, 2019 at 12:14 pm

$22,000 Balance Forward
-__,500 Payment Amount
-----------
$21,500 New Balance

Loan Payment

January 25th, 2019 at 11:05 pm

$22,500.00 Balance Forward
-__,500.00 Payment Made
------------
$22,000.00 New Balance

That's $3K knocked off this month.

Loan Reduction!

January 23rd, 2019 at 07:05 pm

Mom went through all the utility bills for the past two years and realized how much she has actually been overcharging us for utilities. She has given us a reduction on the loan of $2500 to make up for it. She has also reduced the amount we need to give her each month from $500 to $400. But $2.5K! That is 10 percent of the remaining loan balance. And we will be making a payment on payday, so January is getting us way ahead of the game on knocking out that loan. I needed this win right about now.

$25,000.00 Loan Balance
-_2,500.00 Loan Reduction Amount
------------
$22,500.00

Woo Hoo!

Mom Loan Milestone

December 28th, 2018 at 04:10 pm

Well, when everything was said and sifted, I had a spare $500 left this month, so I made an extra loan payment to Mom today. And that brings me to a milestone goal of getting the loan down to $25K! I didn't think I was going to accomplish that this year, but we are squeaking in just under the wire.

$25,500.00 Balance Forward
-__,500.00 Payment Made
$25,000.00 New Balance

Monster Mom Loan Payment with Chart

December 18th, 2018 at 06:15 pm



$26,000.00 Balance Owed
-__,500.00 Amount Paid
---------------
$25,500.00 New Balance

$500 to go to hit the next milestone! Looking forward to that one.

Monster Mom Loan Payment

September 7th, 2018 at 01:45 pm

$27,500.00 Beginning Balance
-__,500.00 Payment Made
------------
$27,000.00 New Balance

We won't make as much progress this month due to the lack of overtime, but I am hoping to squeak out another $500 in two weeks time.

Monster Mom Loan Payment

August 24th, 2018 at 09:06 pm

We were able to throw another $1000 at the Mom Loan this payday.

$28,500.00 Starting Amount
-_1,000.00 Payment Made
--------------
$27,500.00 Total Remaining