The Odd, Tangled and Organized Life

 I haven't updated in awhile. I've just been busy. I did pay off my Wayfair account! So, my living room furniture and my filing cabinet is paid off! So excited for that. Seriously - one more account down. So I'm down to $16,762.83 for the debt. I will be paid off by December 2023. And my snowball is $121.00 Granted - I pay a lot more than that towards my lowest debt. But, if something were to happen and I could no longer throw money at the debt, I would be paid off in December 2023. I have 12 months left to pay on my dental Care Credit, which is my next lowest debt. I have $1340.95 left to pay on that debt. Now, I currently have $21.94 sitting on hold from eBay sales for the week. As soon as the packages arrive to their buyers, that money will get released and I will put that money directly into the dental bill.  Where do I sell? Facebook Marketplace, Facebook groups, eBay, Mercari, Etsy, Instagram, Amazon and Nextdoor. I'm selling my knit and crochet items, and I'm...

 So, I added a new tool to my arsenal. I'd been seeing on the Facebook groups about how people are calculating how long it will be before they are debt free. So I asked around what app or spreadsheet they use. I was pointed to Debt Payoff Planner.  https://debt-payoff-planner.com/  (Not affiliated with them, but if they want to sponsor someone, I'm here for you!) So, with this app, you can get the free or the paid version. The paid version doesn't have ads and you can get payment reminders and I'm sure a lot more things. I just have the free version (trying to save money). Anyway, you input your accounts, how much is left, interest, yada yada and PooF! You get a date for when you'll be debt free. Pretty cool. And it accounts for the debt snowball or debt avalanche (paying the highest interest rate first). And, as you make the payments, it will tell you how many payments you have left before an account is paid off, if you pay the minimum! Note: I do not pay the minim...

Wow - It's been a little while since I posted. Okay. Time to catch up. The emergency fund is funded with $1000. Now, I'll keep adding to it every paycheck and it will earn interest. I've also paid down a considerable amount of debt. First, I got my property tax refund. That helped fund the emergency fund. And my car maintenance was not as much as I was quoted. So, I was able to put money towards my Line of Credit. Which I closed. And I was able to pay off the Christopher & Banks card. And close that account.  I was also able to secure a mortgage refinance on my house, bringing my interest rate down to 2.75% and lowering my payments $50 or so. That $50 will help every month. But, because I'm refinancing, I get to skip 2 mortgage payments for September and October. So THAT money started the snowball on the Wayfair account. Down to $548.87 on that account. It will for sure be paid off next month, if not this month. Depends on DoorDash.  DoorDash has been very good to m...