Started this journey [ok, really the journey started long before this date, however we were not on board] in March 2012. This is what I refer to as our D-Day, meaning Debt Discovery Day (for me), or CTJM for us. At that time our debt figures were as follows:
|$26,400||Mortgage #1||one I now affectionately refer to as Mini||Isn’t she cute? [insert eye roll here]|
|$71,700||Mortgage #2||his name is Small||see how low I’ve sunk? I’m naming my debt elements!|
|$235,600||Mortgage #3||he is Big||he doesn’t even deserve the title of Mr.|
|$11,900||Unsecured LoC||our debt was so much we couldn’t even put it all on the mortgage||le sigh|
|$0||Secured LoC||we didn’t have a secured LoC open at this time||this comes later|
|$27,700||Truck Loan||bought 2009||This one is a story in itself
|$20,200||Car Loan||bought 2011||The Irishman was fed up driving me to work
|$0||Credit Cards||hence big above||I never carried a balance on my credit card. The Irishman, however….
|$393,500||Totals||This is just so scary||Halp! I’ve got sand in my eyes!
$98,100 Total Mortgage [we had rolled LoC debt into Mortgages before, but since we were paying the mortgage aggressively, I consider this to be only true Mortgage debt, as opposed to Consumer debt]
$47,700 Total Vehicle Loans [as I write this now it is amazing to me that this was such a huge number!]
$247,500 Total Consumer Debt [so embarrassing!!! I believe this includes almost $100K of interest charges]
I need to write my current update as of when I started this blog because right now these figures are making me cry.
It gets better … I think.