I’ve Paid For This Twice Already…

Tell All Tuesday - $1000 by February 15th

This Tuesday, there is really nothing new to report on the debt payoff front as far as money paid directly to debt. All money that I would be snowflaking is being diverted to my emergency fund to save up $1000 by February 15th. This would be enough to knock out both the remainder of my car repair ($800) and my final credit card debt ($155.17). I haven’t gotten the bill for what we financed of the car repair yet, so I don’t know when it is due, I picked February 15th because I think that is the earliest the bill would be due. Because any snowflaking money is being saved for this debt, the debt payoff number will stand still until I receive the bill and can pay it (unless I have to send minimum payments elsewhere before that happens).

I am making good progress on collecting the $1000 in both snowflakes and tutoring income. I have earned about $540 tutoring this month, and I think I should get to about $560-$575 before the end of January, depending on how much floating I can do these next few days. This was the bulk of my efforts in January towards creating $1000 to pay towards these debts. I will get paid for tutoring by direct deposit on February 6th. Added to that is the $107 I already have in our emergency fund from last week, so I’ll estimate $670 total thus far that is pretty certain.

Added to that is about $200 in blog income and $100 in income from taking surveys which I should receive before February 15th, and that brings the potential total to $970. I am also going to take a big pile of my kids clothes that they have outgrown over to Once Upon a Child this weekend and see what they will buy from me. Hopefully, the combination of these efforts will push that number up to $1000. We’ll see. I think it will be close.

Honestly, I cannot wait to just get the bill, be able to pay it, and be done with it. I hate that my NCN chart is stuck at just under 25% paid off, and I hate feeling like I’m not making progress. Because this $800 is not part of the original debt, it feels in my brain like dealing with it isn’t making forward progress, it is just digging out of a sinkhole I fell in. Which, maybe it is, but it is important to escape the sinkholes of life too.  I think once I can write the check and actually *pay* the $800, I will feel a whole lot better. And the ability to do that, barring any new emergencies in the next few weeks, is looking like a distinct possibility. Argh, I hate that $800 debt way more than I ever imagined I would. If I had to do it again I might have put it on my existing credit card - that way at least I would have access to paying it down now. Soon…. soon.

February’s goal - to rebuild the majority of my emergency fund with income from tutoring and other money I directly earn. *That* for some reason feels more like progress. On to February!

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