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Finances

March 2018 Debt Analysis

March 31, 2018May 5, 2018 Leila 2 comments

We’re 4 months into the year and I find that unbelievable! There’s been a lot of good things happening in my life lately and I’m so grateful for that.

I mention a big one down below. I’ve decided that any bit of extra income I make (affiliate sales, ads, selling stuff, etc.) will go toward my debt. With the good news I won’t have to worry about saving extra income just to pay bills…now I’ll have a very comfortable amount and my debt will be gone even faster!

I’ll also be able to create a budget now! I think I’ll start adding those to my monthly reports!

DEBT PAYMENT/INCOME SPREADSHEET

*This spreadsheet does not include payments for my car (a lease) or my insurance (life, health, vision, dental)*

CURRENT FICO SCORE: 664

THE GOOD NEWS

My credit score went up ten points

A few weeks ago I got an e-mail from Bank of America saying they are increasing my credit card limit by $3000. This is great news! Not so I can spend more, but this decreased by credit card utilization by 9% which explains the 10 point increase!

My debt decreased

A little over $200 down from last month!

I got a new job…A GOOD ONE

I’m so excited! This position is at a well-known company with a very high reputation. This position also requires my degree, so maybe grad school wasn’t a huge waste after all…

I don’t want to share my exact income because it’s a government company so I’m assuming I could get in trouble for that. However, my income will be increasing by more than double what I get now. So I’ll get out of debt even faster!!! All in all this is a huge change in my life and I’m excited to begin this journey.

THE BAD NEWS

I charged to my credit cards again

I charged a bit to my credit cards. However, I did end up paying it all over before the month ended!


Short and simple this month! I’m excited for what’s to come and I can’t wait for my debt to start dropping by thousands! Happy Spring!

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April 2018 Debt Analysis

2 comments

  1. Mrs. Picky Pincher says:
    April 6, 2018 at 7:25 pm

    I am SO HAPPY to hear you got a better job, Leila! I have a feeling future debt analyses will look even better. 🙂

    Great job fighting the good fight to get those loans gone!

    Reply
    1. Leila says:
      April 8, 2018 at 5:19 pm

      Thank you so much!! They definitely will, my blog income will eventually start increasing as well and I’ll get rid of this debt before I know it!

      I appreciate the support 🙂

      Reply

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I've been vegan for 5 years as of yesterday. It's I've been vegan for 5 years as of yesterday.  It's still the best decision of my life.  I've gained the most strength and look my best as a vegan.  It's also worth mentioning I was vegetarian for 13 years before going vegan, which is why I had to bust out a double bi in photo 3 lol  So yes, I do get enough protein despite not eating animals 😏  As a vegan I've also learned to cook better, eat more types of foods, and have discovered amazing restaurants, recipes, and vegan alternatives all without harming animals.  I never want to push veganism on anyone, but I encourage everyone to explore this lifestyle.  Personally, having an animal suffer for my food, clothes, and products just isn't worth it. Being a perfect vegan isn't necessary, but even small changes can make a large difference.  My sister (@loka1089) made this shirt for me for Christmas by the way!!  #vegan #bekindtoeverykind #veganfortheanimals #veganweightlifting #vegangains #strongvegan #veganwoman #vegananniversary #GoVegan #veganbodybuilding #anythingyoucaneaticaneatvegan #LivinglikeLeila
Happy March!  An update on my February goals:
▪️Pay off my car ✅✅✅🙆‍♀️🙆‍♀️🙆‍♀️  ▪️Jump rope for at least 2 minutes daily ✅ (Well, I missed ONE day but otherwise I enjoyed this challenge a lot)  ▪️Start 'Phase 2' of my training program ✅ (it's more intense than I expected but my strength and body are improving!)  ▪️Finish reading 2-4 books ❌ (I finished 0. I stopped reading a fiction book because it was boring. I've been taking my time reading The Brain That Changes Itself because it requires focus lol)  ▪️Stick to my usual habits better ❌ (Feb was tough for me honestly. Sometimes I have bouts of intense fatigue and lack of motivation which I believe is associated with PMDD. Idk honestly)  March is usually a pretty transformative month for me, so here are my goals:  ▪️Put at least $600 to student loan savings
▪️Make over $1K online
▪️Finish The Brain That Changes Itself
▪️5 minutes of abs daily (new challenge!)
▪️Walk 10K steps daily again
▪️Stick to my habits/routine (for real this time!! I'm feeling better 😊)  #NewMonth #debtfreecommunity #debtfreejourney #blogger #youtuber #goals #february #habits #march #personaldevelopment #strong2021 #fitness #vegan #fitnessgoals #health #healthy #LivinglikeLeila #DebtOverIt
I just wanted to say a big thank you for all the l I just wanted to say a big thank you for all the love and kind words on my previous post ❤🥺  It amazes me that I have this growing community of support and I'm so grateful for it.  I know paying off a car and paying off debt isn't a big thing for everyone, but it's a huge part of my life and I genuinely appreciate that everyone is proud of me and celebrating with me!!  I do hope my progress and my openness on my finances encourages more people to look into theirs and improve it. Improving my finances has made a HUGE difference in my life.  No, money may not buy happiness. But when shit is in order you have less stress, more clarity, and more faith in what's to come👌  These blue light glasses are from @tijneyewear 👓 (gifted)  #thankyou #financialindependence #finance #debtfreecommunity #debtfreejourney #DebtOverIt #blogger #financialcoach #debtcoach #personaldevelopment #neverstopimproving #LivinglikeLeila
I paid off my car today 🙂 27 months EARLY!!! T I paid off my car today 🙂 27 months EARLY!!!  This car should have cost me about $22K, but it ended up being about $30K!!! I'll break down why that is in a future video.  But for the first time in my adult life I am paying $0 in interest right now 😭  I started my debt free journey in June 2018 with $82,200 of debt... I'm now down to ONLY my student loans of $36,200. Which are in forbearance and at 0% interest right now.  This is like a little preview of the debt free life 🥺  Not to mention, my minimum car payment was $382.55 and if I invested that monthly, it would grow to over $200,000 in 20 years.  You may be able to afford that car payment, but it comes with a HUGE sacrifice.  My debt free journey has changed my life and I'm so, so excited for my financial future. 🙏💰  #cardebtfree #finances #debtoverit #cardebt #debtfreecommunity #debtfreejourney #money #finance #studentloandebt #financialfreedom #financialindependence #firemovement #financialindependenceretireearly #TransferTuesday
'Living like Leila' will always be my first born b 'Living like Leila' will always be my first born baby business, but as my personal finance business has significantly grown I've realized I just want LLL to encompass Me.  If you haven't noticed, I am VERY multi-passionate. I love fitness, finance, personal development, veganism, plants, books, food, planning, habits, business. I literally lose sleep at night because I CONSTANTLY have ideas lol  So I know this IG and my LLL YouTube covers everything under the sun, but that's exactly what I want it to be. It's just a digital journal of my life and even though it can be a lot, it's just a reflection of my life and the things I value.  This has allowed me to put less pressure on myself for the content I create, and I truly just enjoy it all as a hobby now.  So I understand that some of my content may not resonate with everyone, but I appreciate ya'll being here 😊❤  And as a side note, if you decide to start an online business...niche down to ONE topic. It will go a lot further, at least from my experience 👀  #multipassionate #livinglikeleila #vegan #personaldevelopment #books #debtfreecommunity #finance #debtfreejourney #business #onlinebusiness #habits #fitness #life
Post-filming, pre-workout selfie ✌ hence the mes Post-filming, pre-workout selfie ✌ hence the mess.  My January finance update and February budget will be up Friday 😊  Also these are the best leggings ever from @ptulaactive  #ptulafamily #ptulaactive #ptula #youtuber #health #fitness #vegan #fit #igfitness #blogger #debtfreecommunity #debtfreejourney #debtoverit #budget #finance #livinglikeleila
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