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2 Steps Forward, 4 Steps Back

June 29th, 2016 at 10:15 am

I received an offer for Chase for a 0% APR balance transfer. Since my NFL Points card (the one with a large $4k+ balance) just passed the 0% APR period, I transferred that balance to Chase. I'm hoping once we settle into the new townhouse, things will calm down, and I'll be able to knock this down quickly. I have about $700/month extra money to throw at debt.

We signed the lease on the townhouse a week or so ago. It's only $50 more than we currently pay, and we're upgrading from a 1-bedroom apartment to a 2-bed/2-bath townhouse with a tiny fenced backyard and 2 designated parking spaces. It's a very dated home, but it'll do nicely for a year while we save/look for a permanent home. The really nice thing is that the landlord is very laidback, and if there are improvements we want to make, he'll reimburse us the cost of materials and deduct the cost of labor from our rent. Upfront costs totaled just under $2100 for the deposit, pet fee, and half of the first month's rent. Fortunately, we'd had that $3k put aside from wedding gifts. The remainder of the rent is due when we move in which will be the last part of that 3k. We still have another $900 in that account for wedding gifts that we haven't bought yet. The biggest is the Roomba, but since we have a perfectly good pet vacuum, I may hold off on it for now and just keep that money as savings.

I really need to start budgeting again. I'd fallen off the YNAB bandwagon and need to fresh start and do it right.

Otherwise, things are great with DH and I. We got a bunch of free boxes yesterday from a FB group, so over the next few weeks, I plan to start packing/decluttering.

1 Responses to “2 Steps Forward, 4 Steps Back”

  1. CB in the City Says:

    Nice save with the balance transfer!

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