$90,000 can you believe it?! It sucks to say that I’ve gotten into a lot of debt, in addition to having a mortgage but what can you do other than pay it off right?

So before we get into the good stuff, we have to figure out how we even got to this point right?

Let’s start off with a couple of things for context:

• After bear and I bought our current home (a 2-family house hack), we renovated the 1st and 2nd floors which came out to about 50k labor + materials
• Not too long after renovations were completed bear suffered an injury that kept her out of work (she fully recovered, which is the most important part!) We accumulated credit card debt during that time to keep us afloat while she wasn’t working.
• After my cancer diagnosis and surgery I was out of work for a bit (fortunately on short term disability) and 2023 was a very eventful year

So jumble all that together and we come out with our starting balance (credit card and loans combined):

I’ve actually already started to tackle this debt to start of 2024 because I can’t take it anymore.

*ADDITIONAL UPDATE*

Added an in depth breakdown of each loan and credit card balance I’m starting with!

*Note, my loans aren’t charging interest right now. My dad was able to loan me the money at the time so the interest begins when I start paying back. HUGE privilege. I also recently paid off his HELOC with the house sale so he’s not losing any money on interest with the money I owe! Also, all my credit cards are 0% interest rate right now (0% interest rate will not last forever, some expire in December 2024, some between January 2025 – April 2025) due to me taking advantage of 0% offers from the credit card companies after extensive research haha

Will be posting updates throughout the year! Stay tuned for monthly updates and let’s see how much I can pay off!