Phew! I didn’t realize that I didn’t check in here even one time last month. I apologize for that. The holidays and all the peopling and visiting family…it was a lot for this introverted mama. I loved having the kids here, but man, was I glad when everyone went home and the quiet returned.
Oh, and then the flu struck. Not me or my parents…but the kids. So we’ve been on flu watch here, but so far so good. And kids are all on the road to recovery. Terrible way to bring in the new year.
But here we are, welcome to 2026!
And my only debt to contend with is my student loans. But this is the year, this is the year, I become 100% completely debt free! So this is where we are starting.
| Debt Description | October, 2023 Total | Interest Rate | Minimum Payment | Current Total | Payoff Date (Est) |
|---|---|---|---|---|---|
| Student Loans | $22,121 | 2.875% | $176 | $15,959 | |
| CC - Apple** | $500 | $0 | May, 2025 | ||
| CC - Frontier | $3,857 | 29.99% | $0 | $0 | May, 2025 - Closed |
| Dad - New Furnace | $2,600 | 0% | $0 | $0 |
May, 2025 |
| CC - USAA | $5,000 | 19.15% | $0 | $0 | May, 2025 |
| CC - Sam's Club | $0 | May, 2025 (again) | |||
| CC - Amazon | $0 | May, 2025 (again) - Closed | |||
| CC - Southwest | $0 | May, 2025 | |||
| Painter | $0 | May, 2025 | |||
| CC - AMEX | $894 | 29.24% | $0 | $0 | Mar, 2024 - Closed |
| CC - Sams | $1,106 | 29.99% | $0 | $0 | April, 2024 |
| Personal Loan #1 | $2,500 | 0% | $0 | $0 | July, 2024 |
| Personal Loan #2 | $2,500 | 0% | $0 | $0 | August, 2024 |
| CC - Wander | $1,630 | 29.24% | $0 | $0 | August, 2024 - Closed |
| CC - Amazon | $1,497 | 29.99% | $0 | $0 | September, 2024 |
| Total | $44,206 | $176 | $15,959 |
This will be the last time I present this table. The old debts are gone. Never to be resurrected.
And this is a year of sitting still. No big plans. No big changes.
Just sitting still and staying focused.
Don’t get me wrong, things are still happening. I’m still me. And I’m sure you all won’t agree with some of my goals and plans to get there. (To be shared later.)
But first let’s recap the crazy, change filled year that was 2025…
The post Hope’s Debt Update – January, 2026 appeared first on Blogging Away Debt.
