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Monthly Progress Report #17




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I can’t believe it’s June. Well, not technically, but you know what I mean. June means we’re about to be in full fledged summer mode.

Albeit, a bit different this year. This year we’re looking at a summer potentially without concerts, camps and who knows what else. This year we’re looking at a summer with social distancing and mask wearing. But I guess summer is summer and in my backyard it doesn’t make much of a difference.

It’s amazing to me how far we’ve come since I wrote my last monthly progress report - New York has started to reopen! Sure, it’s still early in our reopening, but I’m so hopeful things will go well and we will be able to return to a sense of normalcy.

Alright, enough COVID talk, let’s get back to the reason I started all this.

Here’s my debt breakdown for the month:

Mortgage: $146,300
Car Loan: $5,500
Student Loans: $7,700
Credit Cards: $1,900
Grand Total of Debt: $161,400


My student loan balances

Including my renovation fund:

Renovation fund requirement: $9,300
New Grand Total of Debt: $170,700

That’s $1,000 paid down during May. One good thing about not really being able to go anywhere and do anything is that I tend to spend less money.

Well, that’s not 100% true. I did make one splurge this past month - I bought new curtains.

This wasn’t exactly an unnecessary purchase - my poor dog had gotten caught up in them on multiple occasions and ended up ripping a couple of panels.

Caught at the scene of the crime!
(Excuse the dog hair - it’s a never ending battle)

It wasn’t entirely her fault. She did nothing but get a little tangled and she’s a big girl. Apparently, pretty and gauzy curtains aren’t the most Newfoundland proof items I own.

Unfortunately, since I didn’t want to replace the curtains again anytime soon I needed to up the quality and the price tag a little. As my dad says - pretty isn’t always practical!

And oh what a splurge it was! Partly my fault, I like expensive curtains - so that was a $250 investment (she ripped two but I had to replace four panels). But, they are higher quality, thicker curtains this time around. Hopefully these can stand up to my Sadie Donatella.

By the way, that’s the used price! Crazy, right? And they’re not even all correctly sized! Thankfully, Mike’s mom offered to sew two of the panels to fit the sliding glass door.

Mike nearly had a cow when he found out how much they were. But I mean - fair. They were expensive.

Next time I’ll start with how much they would be new and he’ll be so proud of my bargain shopping abilities he couldn’t possibly be mad. That’s how it works right?! Ha!

Anyone else willing to make giant splurges on the house but not on themselves? Like I would walk into speeding traffic before spending $250 on a shirt but when we’re talking about something that makes the house better, or in this case prettier, I don’t hesitate.

Alright, moving on! Here’s my savings balances:

Savings account: $2,500
P2P Lending account: $200
Investment account: $500
Grand Total of Savings: $3,200

Guys, I just found out how cool it would be to have serious money that could make you more money. I didn’t add any money but my investment account recouped $100 after tanking earlier this year. Oh man am I jealous of people that have like $50,000 in there that just made a ton of cash for doing nothing but having money invested.

I suppose that’s a bit of a double edged sword though because I was frantic losing a portion of my little tiny bit so I couldn’t imagine if my losses were in the four or five figure range.

One day maybe I’ll know what that’s all like.. Hey, I can dream!

I hope everyone is doing well and is staying safe and healthy. It’s exciting and scary to see states opening up and life returning back to normal. I hope that things continue to improve as we move forward.

And finally:

Remember, we will get through this ❤️
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