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April 2017 Budget and Debt Results

May 15, 2017

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Another day, another dollar. Another month, another debt report. #amiright?

I am sooo close now to paying off my final credit card debt. After that, I only have 4 debt balances left to pay off:

  • Loan from my parents
  • Student Loan
  • Car Loan
  • Mortgage

That’s the order I plan to tackle them in too. 🙂

The reason I’m so excited, even though I’ll still have debt to pay off after this, is because I should see some quick progress for the next couple of balances on the list.

Plus, as I get more debt paid off, there’s less “required” payments I have to make each month. Of course, I plan to pay much more than the required minimums. But, it’s always nice to have a lower DTI (debt to income) just in case my fluctuating income would suddenly slow down.

Here’s a look at how I did in April:

Debt Totals:

3/31/2017 –$132,661.39 all debt
$22,388.00 without mortgage

4/30/2017 – $131,474.48 all debt
$21,430.77 without mortgage

Difference – -$1,186.91 all debt
-$957.23 without mortgage


3/31/2017 – $1,814.64
4/30/2017 – $1,851.50
Difference – $36.86 Increase


CategoryMonthly Total
City Bill$71.92
Gas Bill$25.17
Auto Insurance$97.29
Personal Trainer$170.00
Cash/Other Spending$1,150.46
Health Savings$600.00
Travel Savings$100.00


Where do I even start? The only reason my spending this month is showing lower than last month at the bottom is because I saved significantly less for my health savings goals than I should’ve. I’m pretty far behind again. But, I’m hoping I can still get caught up to have the procedure done in October.

My spending this month was super high. I went out to eat A LOT in April. I also spent some money at the vet since one of my dogs was sick, and I spent some money at the chiropractor for a shoulder that’s been giving me trouble.

Some of my spending was also on a few things for my house that needed replaced and I bought a couple pairs of pants since I lost weight and mine were so baggy I could hardly keep them on. At least that’s kind of a good problem to have! (These are the pants I got.)

I hope to recoup a bit of this extra spending at my garage sale this weekend, where I will sell all of my accumulated “decluttered” items, including the clothes that have gotten too big. I have already sold a few items on Facebook and I used the cash for my vacation a couple of weeks ago. (More on that soon!)

Even though my spending was high, I’m still glad I made my debt payments so I can get my credit card paid off before the end of the 0% interest promo next month. Plus, I still saved money for my travel, health, and emergency funds. AND I put some money into my IRA to get the 2016 tax deduction. The amount I saved in my IRA is not shown above.

How was your April?

I love how transparent and inspiring this blogger is!

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4 responses to “April 2017 Budget and Debt Results

  1. You had an amazing month Kayla! So excited to see that credit card paid off! You have done an awesome job at staying motivated to pay off your debt.

  2. Being able to continue to save despite vet bills and house spending, while still enjoying yourself is a great place to be.

    I know what you mean about losing weight. I paid a local seamstress to take some of my work pants in for me, but since then have lost more, with more to go. I don’t want to spend money on new pants until I’ve reached my goal, but had to give in for one pair. Bonus: I picked up a brand new pair of work pants for $2.50 at a thrift store, and my too big pair was donated. Win win!

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