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Finances

October 2017 Debt Analysis

November 1, 2017February 26, 2018 Leila Leave a comment

Every time I write these I feel like I JUST wrote my last one! The months are going faster and faster. I felt a lot better through October compared to September. I feel I can finally catch my breath a little bit.

I’ve still been super strict with my money. I don’t spend it on anything except my bills, my car, insurance, and groceries. If I want a coffee or if I want food from a restaurant it has to be FREE. Luckily Dunkin’ Donuts gives a free medium coffee if the Georgia BullDogs win and I had a free bagel offer every day of October from Panera!

I’m now about 5 months away from completely paying off my CareCredit debt off, which is what I’m really looking forward to. Tax season is also right around the corner, so if I can pull together $1,000 for an emergency savings I can start paying off my debt more aggressively!

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: 607

THE GOOD NEWS

I only charged to my credit cards twice this month (about $50)

I only charged for a little bit of gas and a gift for my friend’s bridal shower! This is major progress! I was charging almost every purchase (really just groceries/other necessities and gas) previously causing me to go into a lot more debt every month. Next month my goal is to not charge ANYTHING on any card, so this is definitely a step in the right direction.

I was able to pay my sister for “rent”

Last month I told you that I would now be paying my sister $200 less/month. Because of this I was able to actually pay her! I paid the first half in the middle of the month and the second half at the end! This is also huge because that prevents $750 being added to my debt (now $550). It’s definitely a relief as well to not feel so much guilt for not keeping up on my end.

I was able to start putting money in my savings account

Not much ($100), but it’s nice to have a little cushion! Keep in mind I do have a life insurance policy that I contribute to monthly and a Roth IRA with a decent amount collecting compounding interest! So I’m not completely screwed if an emergency comes up.

I went into overtime which equals a larger paycheck

Part of the reason I was able to start a savings and pay my sister is because of going into overtime. In case you’re not familiar with it, most companies pay time and-a-half if you work more than 40 hours in one week. I’ll also get a paycheck in November with 18+ hours of overtime due to working 4, 12-hour shifts two weeks in a row, so that’s definitely something to look forward to.

My debt actually went down

Woo hoo! My debt has increased every month, which is definitely discouraging. So I can FINALLY say I made a dent in my debt!!! 🙂 My debt decreased by $379.67, which is not a whole lot but it’s definitely something to celebrate!

THE BAD NEWS

My credit score dropped again

No surprise here. This is out of my control and I am doing what I can to fix the problem. Luckily the ball is now rolling and this should be over soon (fingers crossed). I’ll keep you updated! And once I can actually speak about the situation more I definitely will.


October was much better. As you can see there are a lot more “goods” than “bads” and hopefully that trend continues! It’s been nice to appreciate the small things and the small hurdles. So wherever you are on your journey, always search for the positives!

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September 2017 Debt Analysis
November 2017 Debt Analysis

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Leila, Owner

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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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