Week 58 – Update on debt and savings

I was close to cracking the ‘under $3000’ mark this month, but not quite!


Credit card 1 – $0.00

Credit card 2 – $0.00

Personal loan: $ 3,142.15  (previous update $3790.04)


$450.00 (increased by $50.00)

Buffer funds

$50.00 (decreased by $250.00 due to visit to the dentist and shock discovery of a hole the size of a moon crater in one of my teeth that needed filling!)

What else is new? Well, I’ve joined a health fund to lessen the impact of my Medicare (Australian health system) tax at tax time in June. I also purchased 3 personal training sessions at the gym but now I have completed these, I’m not sure I can afford more until I have paid off the loan.

What do I do to stay fit on a budget?

I have a gym membership – but a super cheap one, only $11.30 per week – and it is flexible, I can cancel anytime. I have recently started walking home from work – a little over 4kms. This is saving me cash on my travel and also great exercise – a brisk walk home, following my gym workout, is a great way to finish the day.

I run sometimes – not as much as I did last year when I took part in a few marathons – and I try and eat as well as I can. I have a few pieces of equipment  at home but don’t use those so much as I have the gym – they are a good backup for a rainy day or a quick workout at home. You don’t need a lot of cash to stay fit – you just need to be motivated. Running, walking, beach swimming, home workouts  – all free! You just need to get up and do it!

My health is my overall priority – even before debt freedom 🙂 so it is important for me to invest in it every day!

Have a great week 🙂


6 thoughts on “Week 58 – Update on debt and savings

  1. B. says:

    I have to admit – I’m super jealous of you for being so close to debt freedom! But that’s awesome. You’re so close!

    And I totally agree that you don’t need a ton of equipment or access to a gym or any fancy schmancy set up to be fit – which has serious benefits for all of us 🙂

    Congrats again! Can’t wait til your next post to see that number drop again!

    • Thanks for your comments! It feels a bit surreal finally being this close to $0.00! If we stick to our goals, we will all see that $0.00 balance one day 🙂 you will get there too! I’m looking forward to the next pay day (this coming Wednesday) to get under $3000 🙂

  2. Your soooo close to paying off that loan. I need a new crown from the dentist. It costs £450 and I’ve been putting it off 😦

  3. Debt Hater says:

    Nice job on the debt payment this time, pushing very close to being debt free and by the next update should be under 3,000! I switched dentists when I started my job 2 years ago (new insurance) and had to get a few fillings, it was not cheap so I hear you on that.

    I have a cheap gym plan, as my gym just let me continue paying the “college student” plan, so I’ve definitely lucked out there. It was more of a local gym and not a chain.

    • Gyms that aren’t part of chains are often cheaper that’s for sure! I think having to fork out for the dentist certainly showed me the benefits of having an emergency fund so you don’t have to go back into debt when these this happen! I’m now under $3k :)!!
      Thanks for your comments!

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