And another car post....and a dead camera

I'm up and it's late...one thing I am thinking of is, "Wow, I can't believe I'm about half way there from when I started in January...and my car is really about to be mine!"

I'm amazed...I thought I would be one year early in paying my car off, but really, it's two years! My loan is not due to be paid of until September 2011!

In the morning, my direct deposited paycheck should be in my bank account and I will be able to pay a nice chunk of money to the bank. -- My sidebar is currently not updated, the real amount is $773.xx and not $997.xx since I paid a bit more in the last couple of days. I'll update it after this post.

On another note, my camera died. I need it. My ebay needs it. I'll have to get a new one and I can't wait much longer. Do people still use film cameras? I'm too impatient for them...and what if you took a bad picture with old school film and you didn't know it until it was developed??? No thanks.

Final countdown for car!

I've reached the thousand dollar mark, $997 to be exact, for the balance of my car!! I'm so excited and plan to have it paid off by mid October.

Today I made a payment of $200 and tomorrow will probably add another $65 or so.

Now, if my ebay will stay steady (or increase) and I get to keep housesitting...and keep my job...my last debt, AMEX, will be paid off next year!

Home again

I'm back home from housesitting which is nice, but I was so exhausted yesterday from going, going and going some more.

Today I paid another $210 to my car loan which brings it down to $1197. In a couple more days I will be paying another $200, I just set up a PayPal transfer to my bank account for ebay stuff that sold and it will take two days to reach my bank account. After that payment, I will owe less than one thoudsand dollars!!!

It's hard to believe that if I would have just stayed focused long ago, I could have been out of debt by now. I have tried, but obviously not hard enough. Everytime I got a part time job, I swore the extra income would go to my debt but had a hard time sticking to it.

Now...I guess I am just so sick of debt that I can't stand to NOT pay the loans down. I can't wait to be free from owing...

Another $60

Today I took $60.00 out from a bank account where I've saved up some ebay money, and paid my car. This brought my balance to $1567.xx! I'm getting close to being half way done paying off my debts. It's hard for me to believe that about half of my debt has been to American Express and I really don't have much to show for it...besides pictures of trips and some electronic stuff which by the way is outdated now.

These nine months since I started my journey have really gone by pretty fast, I can definitely do another 9 months if that is what it will take to be done.

Housesitting

Once again I am housesitting which is great because I get paid, but not so great because I miss my BF :( I still get to go home and see him for a very short while each day, but it's ever long enough. He doesn't like it either but knows I'm trying to get out of debt and this is really helping. My last check went straight to my car loan which is dwindling away.

More car payments & AMEX

I've made a couple more car payments and am so happy to know I only owe $1,626 on it! I'm on track to get it paid off in October which means I will be one year early according to the original payoff date from the loan agreement.

On the other hand, I am upset that American Express sent me a letter to advise that my interest rate will be increasing due to the economy... Um sure, I believe that one. We'll see what they raise it to on my next bill. Good thing is, they are next and last to go!

Shame on me...

I've been pretty bad at keeping records lately, so my balances haven't changed much. I should have paid a bit more to my car from overage in my checking account...but I haven't made that happen.

Also, I went on a nice little camping trip for Labor Day weekend and probably spent about $200.00 on it! That was supposed to go to my car, but there is nothing I can do about that now.

Moving on...and thinking my car won't be paid off until Novemberish. BUT...I updated the sidebar and am happy to know that my car balance is $2,261!

Another payday!

Another payday has come and gone. I have paid an extra $310.00 towards my car outside of my regular car payment this month. My sidebar has been updated regarding my car, but the AMEX is not up to date. I have been using my AMEX card for work expenses which I will be reimbursed for, and also some of my own that I need to pay from my checking account. Unfortunately I have not kept good records and need to backtrack now. I hope my balance is still around $11,350.00.

Once I make the time to go through receipts and collect what is owed to me, I will update. Also, I had a bit more housesitting to do and that means more money :)

Amazed

I honestly can't believe that I have been able to pay off almost $10,000 so far this year and that I have just over $14,000 to go! It truly is amazing to me. However, I can't help but think that if I didn't have any debts, this could have been money saved.

Today is payday so I paid a little more towards my car, $270.00. This brings my balance to $2,992.xx. It's such a great feeling to get paid, and after making the payment, see the balance get smaller.

Housesitting

I've been away from home this week, house/dog sitting. It's a nice way to make extra money but really hard to be away from your own surroundings...at least for me it is!

Some people get a lot of gigs like this, I'm not one of them as I only house/dog sit for one family. I don't post on any of the "sitting" sites offering these services.

Basically, you just need to take care of things as if it were your house like bringing in the mail, newspaper, milk (if it is delivered), watering plants/lawn, feeding pets and walking them...some housesitters also clean house. Cleaning up after yourself is a must!! Leave the house how you found it, or better.

Sometimes it can be hard to sleep well in someone else's house. But...the money I earn will be worth it...another chunk to my car loan :)