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40-something female on the road to "Financial Freedom"
Windy City Blues
Chronicling the daily life and financial journey of a female living and learning in the expensive and yet wonderful Windy City.
Chicago...It's My Kind of Town!!!
Chicago...It's My Kind of Town!!!
Goals! Goals! Goals!
- Pay off credit card each month.
- Live within my budget.
- Find ways to increase income.
- Use eFund for emergencies.
- Blog min once per month.
Personal Finance Blogs
- 2 Million
- Beating Broke
- Blogging Away Debt
- Clever Dude
- Consumerism Commentary
- CreditBloggers
- FiveCentNickel
- Free Money Finance
- Frugal Babe
- Give Me Back My Five Bucks
- Grad Money Matters
- Money Smart Life
- Moolanomy
- Mrs. Micah
- My Money Blog
- My Open Wallet
- No Credit Needed
- Pants In A Can
- Personal Finance Advice
- Sallie's Niece
- Single Guy Money
- Stacking Pennies
- The Frugal Lawyer
- The Simple Dollar
- Tight Fisted Miser
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Charity
Disclaimer
I am not a financial advisor. The information shared on Windy City Blues is simply a reflection of my personal opinion and does not attempt to give you advice that relates to your specific circumstances.
Thank you for reading!
Thank you for reading!
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Chitown Net Worth
Step #1: $2,000 eFund
Emergency Fund
100%
$2,000
Step #2: Debt Snowball
Bus Credit Card - Paid 2/2011
100%
$800
Credit Card - Paid 1/2011
100%
$1,300
Law School Loan - Paid 2/2011
100%
$3,000
Private Loan #0 - Paid 2/2011
100%
$5,700
Private Loan #1 - Paid 9/2015
100%
$11,000
Private Loan #2 - Paid 12/2015
100%
$11,000
Private Loan #3 - Paid 12/2015
100%
$12,500
Private Loan #4
100%
$11,900
Private Loan #5
100%
$17,600
Private Loan #6
100%
$22,100
Private Loan #7
100%
$28,800
Credit Card
39%
$23,000
Federal Loan #1
18%
$24,100
Federal Loan #2
100%
$21,800
Federal Loan #3
11%
$64,300
Step #3: 3-6 Mo Expenses
6 Month eFund
100%
$30,000
Step #4: 15% Retirement
Retirement
100%
15%
Step #5: College Fund
College Fund
0%
$0
No Kids Right Now.
Step #6: Mortgage Payoff
Home Mortgage
10%
$120,719
Step #7: Build Wealth & Give
Looking Forward to It!!!
4 comments:
WCB,
I know you think you do - but you still spend too much money for me to believe you really want it that badly. Maybe what you should ask yourself "I want to be debt free so badly that I am willing to do [x]"
That said, you did get a second job, but it only enables you to spend too much money. I hope you get greater traction. I want you to prove me wrong, but I am skeptical.
Kris
I agree with Kris!
I want to be debt free too! My co-worker told me he finish paying his debt off last payday. Now he said it is like getting a raise of $1000 to $1500 per month.
Let's do whatever it takes to join him in living a debt free life.
Who does not want to Debt Free? I have established a deadline for me to be COMPLETELY debt free. Car, credit cards and what ever little minor debt - June 2014. And I will do WHATEVER it takes.
I too agree with Kris. Have you thought about having a serious no-spend month? It requires planning, and it requires discipline. You still allot a lot of discretionary expenses, which your PT job currently pays. If you lumped the grocery and dining expenses into one, and said $300 for the month for food, and eliminated the remaining discretionary expenses from your budget, I think you'd make excellent progress. But planning and discipline are both required, big time.
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