I am below $100,000. I did it! Before the end of the year! As the studio is going non-profit they will have to assume the CC debt and any other debt I do not have listed. I am not sure how this will all work out but I am feeling pretty positive. I have not posted the car payment or the sewer payment yet so this will go down further. I also have more money to apply to debt but at this time I want to see where all bills fall. I do not want to pay-off Studio lock only to turn around and borrow from it again.
I really have concentrated on the house as it is our largest debt with a monthly payment of $1450.00. Our next largest was the truck which was studio debt but in my name it was a $500.00 a month debt. So that will free up money for other debts and help me pay them off faster. So nice. Now I am going to look at that total below $100,00 and concentrate on that. I would like to see it go down this year by at least $3000.00 a month and I think that is doable. Maybe concentrate on my car (that I never get to drive) as it is a $350.00 payment and that would be nice to get rid off. Maybe by next Christmas 2015 we will have no vehicle payments. How nice would that be?
I only have one more present to buy to finish Christmas. We are celebrating Hub's 64th Birthday tomorrow, as he turned 64 yesterday. They sang to him at the Wedding reception. We drove all day today to get home. About 5.5 hours. Roads were a little snowy and foggy so we took it careful.
Our boarder is out of the house and I will miss him. We are seriously thinking of taking another to help pay down debt. We will see. We have the room, we just need the right person.
My house is a wreck! Every room but the formal front room is a disaster. Laundry,dust crap, beds need changed, vacuuming needs to be done. Packages need to be wrapped. The shop is a pig-sty and I have too much to do. I want to sleep and rest but don't see that happening before Christmas.
Out My Window : I had better go check on my chickens and where is my dog? Oh there she is asleep at my feet almost stepped on her!
Have a great evening, I think I will be cleaning.....yuck