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Monthly Progress Report #13

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We’re on year two of my monthly progress reports!

And since I decided to skip number 13 in December and instead sum up my progress over the entire year of 2019; we’re now at my 13th monthly progress report!

Is 13 lucky or unlucky?

They skip the 13th floor in buildings and the whole Friday the 13th thing seems pretty ominous..

But I’m still hoping that 13 will end up being just a little bit lucky for me! Hopefully I made some good progress.

But probably not.

I had to take out another student loan to pay for this semester because I needed to take a whooping six credit course. Kind of intimidating when all my other classes have only been three credit classes!

But I did pay off one of my other student loans so the increase wasn’t that bad.

Alright, enough rambling. Let’s do this.

As always, let’s start off with my debt:

Mortgage: $147,200
Car Loan: $6,500
Student Loans: $8,400 (Yikes. I liked last month’s number a lot better but hopefully it only goes down from here!)
Credit Cards: $2,350
Grand Total of Debt: $164,450

My student loan balances
Ok. Not bad. Not great either.

But I was expecting worse.

I took out a $4,500 new loan! But paying off an older one with my reimbursement from work (have I mentioned how much I love my company?!) and some other payments, my balance only increased by $1,200. I’ll take it!!

Now let’s factor in that pesky renovation fund:

Renovation fund requirement: $11,400
New Grand Total of Debt: $175,850

Factoring in my renovation savings, my total debt went up $550 in the month of January.

Not awful. And I hope this is it.

This should be the highest my debt will be for a while. Barring any unforeseen circumstances of course.

Dear Universe, please don’t take this as a challenge.

On to the savings side of things:

Savings account: $2,250
P2P Lending account: $200
Investment account: $350
Grand Total of Savings: $2,800

Success. Ive finally made some progress on my savings!

I added to my savings account and also purchased two shares of Discover stock. I’m just a big fan of Discover - I’ve borrowed money from them, I use their credit card and I do my banking with them.

My stock immediately took a nosedive, like the worst fall Discover has taken in a decade. That’s DECADE folks! But that’s ok. I’m in it for the long haul.

In better news, I have finally gotten a decent box in the office Super Bowl pool! It’s only taken close to a decade for that!

What are your plans for this year’s Super Bowl? Are you going out to a bar or a friend’s party? Are you going to be watching on the couch in your pjs? 

No matter how you plan to spend the day, I hope you have a great time and I hope your team wins!

And if you bet, I’m pulling for you to win some moolah! Unless your name appears in the above picture, if that’s the case, I wish you better luck next year! Just kidding, I’ll be happy for you even if I don’t win for the tenth straight year. Hey, why break up such a great streak anyways?

Have fun and stay safe!
Broke Dolly
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