Ryan McFarland

Well my credit score continues to slide due to a few missed payments a few months ago and the barrage of inquiries that the bike shop accounts caused.  According to the free service at WaMu my score is now 715.  I’m not worried.  I scheduled payments for most of my cards six months out (now to just be sure to do that again in a few months).  Also, when Cena and i return from abroad we plan on throwing all of our resources at eliminating all of our debt except the mortgage.  This will mean far fewer home improvements, even less dining out than we’ve done this year, and a definite reduction in our trips.

My net worth continues in a positive trend though.  This is made possible with my auto loan being completely paid off, continuing contributions to my retirement account, hefty payments toward the mortgage and continued effort to reduce credit card debt.  Next month should improve at a slightly better pace - i have almost $1,000 in refunds due plus the payment for one large web design contract should be made soon.  On a negative note, we will not have rental income for the month of December.  My total net worth is right around $50,000.