Tag Archives: debt
Net worth chart
Here’s a chart of my net worth over time not including the bike shop or the mortgage. The bump in the line in November was from receiving 6 months of advance rent and shifting some debt to a 0% interest credit card but not adding the account to the program. You also can see a …
Debt savvy
I took a little online Credit card debt quiz and it turns out the I’m a little wiser than i expected about debt, bills, and credit. I scored a 93% overall (without cheating – many of the answers are easily available online). Some of my answers were valid last month and others valid next month. …
Credit card utilization
I know that i have been focused on eliminating my debt this year. My single resolution was to not owe on any credit cards. But the more research that i have done on personal finance has made me aware that debt isn’t entirely bad. Take a look at this chart. You see that i have …
Debt report
It has been a few busy months since i last reported on my epic journey to eliminate all of my debt (except Zoom’s and the mortgage). I’m happy to say that’s I’m close. Real close. In early January i had $15,650.89 in debt and right now I’m down to $1,270.27 in debt. I still have …
Debt report – April
The first of March, 30 days ago, i owed 9,427.17 in personal debt (including Zieak enterprises but excluding the mortgage and Zoom Bikes). As of April 1 i owe $7,411.79. I dropped my debt $2,015.38 in the month of March. I have $2,200 in accounts receivable for Zieak enterprises and have three DJ jobs lined …
Debt report – March
In February’s debt report i had $13,811.93 indebtedness. Actually — that’s not the correct term. More accurately that is a measure my net worth but ignoring the house (asset and liability), my car (asset), and retirement savings (asset), and Zoom Bikes assets and liabilities. This short month saw a $4,384.76 reduction in my debt! I …
$5,000 toward your credit card debt
The folks at Mint want to help relieve holiday overspending by throwing $5,000 toward two lucky winners with a story to tell. Just shoot a video or write a story “confessing your holiday excesses to the world.” Sadly i’m ineligible because i have been a “professional” writer. But my loss could be your gain on …
Debt report – February
In January’s debt report i showed $15,650.89 worth of indebtedness. A nearly perfect month of no extra spending later, and I’m happy to show a significant reduction in that figure. At this precise moment i owe $13,811.93 (not including the mortgage or the bike shop liabilities or assets). That is a $1,838.96 reduction in one …
Eight ridiculously frugal ways to save money
In our quest toward financial freedom we’re doing a number of practical exercises to reducing expenses. But in brainstorming ways to save money we’ve also thought of some methods we’ll be skipping. Here’s my list of ridiculously frugal ways to save money. Dumpster dive. For food. There are quite a few people that do this …
Latest credit score
My credit score has taken a hit over the last half of this year. I imagine it is from the many recent credit pings from the mortgage and buying the bike shop. I had probably a half dozen credit checks for Zoom Bikes. I also had a month or two where i made a few …
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