Brushes & Budgets

A makeup artist on her journey to debt freedom!


Debt Update! I’m BELOW $30K…Again

Happy Saint Patrick’s Day! While I’ll be hanging out at home because of my broke foot, there was yet another payment has posted and my liability went down a little!

NameAmountPrincipalInterestLoan BalanceTotal Debt Amount
Shop Your Way Mastercard$457$457$0$4,893$29,824.07

I’m below the $30k mark again! The goal is to keep it that way. The next month or so it should be at it’s lowest in a good long while.

I also got back below $5k on this credit card. This is the card where all of my balance transfers are being transferred to. They offered a fee of the greater between 2% /$10 when I was doing the transfers. I always pay all of my balance transfers down before they accrue interest. My credit card debt is a total of $9,500.

I forgot to include a charge to my dentist for TMJ so this updated debt amount is the most accurate amount.

After a very long “spirited” conversation with my health insurance company on Wednesday, they are officially approving my claim. I even got a correspondence in writing stating what would be done! I won’t get too excited until I see the proof, i.e. a check. I’m pretty sure I almost made the poor agent cry. That’s not my normal demeanor. It’s extremely rare that I yell but we’ll be going into the third month since I had to pay $5,292, she wasn’t getting it, and I had to interrupt her several times so she wouldn’t go back over info she already shared. I had to pull the “I want to speak to a supervisor” line out of my back pocket and it actually got me a better outcome. Whew!

Seriously…I really hope the rest of the members the agent got were a lot calmer than I was.

I’ll be back with my next update soon!



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About Me

I’m a licensed esthetician and free lance makeup artist that has a full-time career at a local credit union in Raleigh, NC. Personal finance has become my second love next to makeup, as well as an unhealthy addiction to Excel. The plan is to be debt-free by late August 2024. New posts will be available between Monday and Thursday at 6 AM. To watch my debt balances go up or down, check my Money Moves Monday/Month-End posts. 😊

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