Our Estimated Total Debt & A Goal

Over the weekend I tallied a rough estimate of our total debt.  Not including the mortgage.  I wanted to throw up!  I’m ashamed to even tell you the amount, but hey, this is one of the many reasons I started this blog.  So here goes nothing…. dun, dun, duuunnnnn…..

an estimated $20,000!!!!

I wish I could say this is all “good” debt.  You know, the kind where you will actually own your own vehicle or something like that in the end.  Well, some of it is.  We will actually own two vehicles and have my student loans paid off.  Woohoo!!  But the rest is bad debt. 😦  Like the Polaris RZR we used to have, yup, still paying on it.  We’ve not even had it for almost 2 years.  Or that jewelry company I signed up to be a jeweler for, yup paying on it. Oh, and the credit card debt that has built up from doctor visits.  Not to mention and IRS debt from when Mr. Penny Chaser received unemployment benefits and had no taxes deducted.  Shew, will it ever end?!  

Okay, enough about all that sadness.  Life is about learning along the way right?  Because we have definitely learned a few… the hard way.  I’m ready to set a goal for paying down this debt, like NOW!!!

Goal:  Pay down $5000 of the debt by the end of 2013.

I think that’s pretty realistic.  I’m depending on this ol’ blog of mine to help me along the way.  All encouraging comments are welcome. 🙂

Goal set!!  Now, what can I sale?? 

Blog Goals

It’s Saturday and sunny, which has to mean it’s going to be a great day right?  The weather around here has been so cold lately, but today it’s supposed to get in the mid 50’s so I’m super excited about that! 

Today I wanted to take the time and plan out some beginning blog goals that I have for this little ol’ blog.  

  • Buy the domain {thepennychaser.com}  CHECK!! Bought it yesterday. 02/08/2013
  • Register for self-hosting.
  • Download WordPress.org 
  • Design my blog.
  • Switch everything over & get to writing lots more! 


I have big dreams for my blog and my life.  There’s no time like the present so I’ve got to start working towards them now.  I’m in my late twenties here folks!! It’s now or never.  And I’ve decided on NOW! 

Have a happy weekend!