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Monthly Progress Report #18



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Oh my, how time is flying. We’re already officially in summer, the weather is absolutely gorgeous and we’re about to celebrate July 4th.

Independence Day has always been one of my favorite holidays. It’s so low key and just a ton of fun. There’s no obligation to have a BBQ, hop in a pool or go watch fireworks but if you do it just makes the day that much better. 

I am curious how fireworks are going to work out this year with everything going on but I have seen some posts already saying that the show will go on. 

So be it! I will gladly socially distance and wear a mask to watch.

Even more exciting for me, my renovations have finally started! I couldn’t be any more excited. 

I actually had vacation time the week everything started but opted to work from home through it. At least that way I would be distracted and not constantly trying to check out what’s going on and what they’re doing. Noise has been about the only reminder they’re even here! 

I’ve been waiting so long it seems a little surreal to finally be seeing some progress. And of course, I’m still nervous about money, but I’ll figure it out someway, somehow.

Things change so much in a month. Maybe you’d like to take a look back at last month?

Since we started talking about money already, let’s get down to it.

Here’s my debt breakdown for the month:

Mortgage: $146,100
Car Loan: $5,300
Student Loans: $7,450
Credit Cards: $1,900
Grand Total of Debt: $160,750

My student loan balances

Including my renovation fund:

Renovation fund requirement: $8,950
New Grand Total of Debt: $169,700

We’re $1,000 better off than we were last month - good news! 

Even better news, my one student loan is below the $500 mark! The end is in sight!! Hopefully that will be paid off before the end of the year.

Unfortunately, my credit card balances are still a little bit higher than I would like them. Definitely something to work on.

But hey, we’re under the $170,000 mark and that seems like something to celebrate.

And really the renovation shortfall probably isn’t going to be that bad. Hopefully if we can save some money is some places and figure out some DIY on some areas, we’ll be in much better shape.

But, prepare for the worst and hope for the best. I’d rather be pleasantly surprised that we came in a little lower than expected.

On to the savings side of things:

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

Nothing to see here. 

I didn’t add to any of my savings with the pending renovations so close and so many things up in the air right now. 

Hopefully soon I’ll be able to focus more on my savings.

I hope you’re continuing to stay healthy and safe as we head into the holiday weekend.

Do you have any big plans for the Fourth? Are you brave enough to go to an actual get together?

As of right now I’m slated to go on a road trip with my mom to pick up some lawn chairs. 

Is it me or am I always buying new lawn chairs?

I am. I definitely am. But these guys will live with my mom.

And finally:

Remember, we will get through this ❤️
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