ceejay74

I'm the financial head of a three-adult household. We have great credit and income but massive debt. I've always paid bills on time but beyond that haven't planned very well. Since July 2007, we've gotten serious about financial stability. DEBT AS OF NOV. 1, 2009: Credit card/personal: $20,316 Home/mortgage: $291,438 Education: $74,580 TOTAL HOUSEHOLD DEBT: $386,334 ------------------------------- NOVEMBER 2009 GOALS: 1. Debt: Pay off at least $2200 of debt. Balance as of 11/3: $385,601 Goal balance: $384,134 Progress: $733 down, $1467 to go 2. Savings: Save at least $720 ($120 for AS's retirement; $600 for Xmas fund) Progress: $370 saved, $350 to go 3. Fitness: free month. 4. Environmentalism: free month. 5. Creative/crafts: Participate in National Novel Writing Month (NaNoWriMo); goal is 50,000 words. Progress: 1,175 words 6. Philanthropy: free month. 7. Side hustles: free month. 8. Other: Help AS with couch reupholstery. Begin to contact daycare options we've collected. ------------------------------- BIG-PICTURE GOAL: (begun 1/1/08) Pay off all credit card and personal loan debt by 12/31/09 Beginning balance: $70,251 Current balance (10/30/09): $20,316 (Full disclosure: I transferred $5301 of this debt over to student-loan debt, so I didn't pay it off.)

• Date Started: Jun 21, 2007
• Entries: 521
• Comments: 1,411
• Total Visits: 266,172

Individual Net Worth

Last updated 10/19/09

NT
Assets: $304,612
Debt: ($160,451)
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Net worth: $144,161

AS
Assets: $86,333
Debt: ($117,592)
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Net worth: ($31,259)

CJ
Assets: $112,240
Debt: ($108,658)
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Net worth: $3,582