Paying off Debt with Savings Challenges • Money Diaries #6

Today we quickly go through my expenditures for the last week or so and then we jump into Savings Challenges!  We are using savings challenges to get our Home Depot credit card off! While this card is at 0% we are on a journey to be financially independent!

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#debtfreegoals #savingschallenges #budget

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ALL MY SAVINGS CHALLENGES:
May Binder-  ‪@JanellRaeBudgets‬
9. Friend-chip Goals   ‪@lizandless‬
10. Roll, Scratch & Save ‪@toebeanbudgets‬
 
Christmas Cuties Binder -  ‪@CraftCoBudgets‬

Snowflake Christmas Binder -  @JanellRaeBudgets  
1. Puppy Snowflakes -Rami  ‪@budgetpaparazzi‬
2. OCD Christmas -Dani  @CraftCoBudgets  
3. Hot Chocolate -Tracy  ‪@GoldenGirlBudgets‬
4. Merry Flocking Christmas- Wren  ‪@MischiefManagedBudgets‬
5. Snowman- Janell  @JanellRaeBudgets  
6. Mystery Savings- Kim  ‪@StarBudgets‬
7. Fir Sure -Liz  @lizandless  
8. Merry Christmas- Yazmine ‪@OfficialBudgets‬
9. Fred Jr.- Shannon   ‪@307designstudio‬
10. Holiday Cheer -Champagne  ‪@ChampagnesCorner‬
11. Double Sided Christmas- Judy ‪@savewithjudy‬
12. Gingerbread Cutouts- Wren  @MischiefManagedBudgets  

Gemini "ME" Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
All of the challenges in this binder are from my Etsy shop
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Red Savings Challenge Binder
Save & Grow- Kiara ‪@BudgetandGrow‬
ALL BUX-   @reinventingrene  ‪@reinventingrene‬

Blue Glitter "Full Size" Savings Challenge Binder
The Life of a Pig *
Pop It! *
Life is a Beach *
Shut the Box-   @reinventingrene  
2024-   @TheALMOSTOrganizedOwl  

*= Use the link above for my Etsy store to find these products

Shiny Silver Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
The Great Aussie Scratch Off-  @CraftCoBudgets  
Suitcases- Plan to Plan Sticker Co.

Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was $201,986.79
NOTES:
* In 2023 and 2024, we incurred more debt and paid a large portion of that debt off, so our debt paid numbers are actually higher than what they appear.
* The above numbers include our mortgage.

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DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.