EOY 2018


There is $9,398 not shown, made up of $1,000 savings and the rest are balance transfers. I could dig more, but will pass. One thing I do know – every penny was spent (excluding the $1,000 in savings).

Retirement (pre-tax)

I had put my retirement contributions on hold in 2017. That hurt me with my income. I ended up owing. The first half of 2018, I still had them on hold. Then my income increased. I now had to play catch up by claiming $0 and putting away $645/per paycheck into my 401k.
Total contributions 2018: $8,630
My employer throws in 5% of my salary. Total contributions from employer: $6,600

2019 Goal: To contribute $12,000  + employer’s 5%


December 2018 Expenses & Debt Recap [-$69,960]

Being lazy. Today you get screenshots.


Debt paid this month (included in images above):

  • $556 Personal Loan
  • $300 Car Payment
  • $343 Student Loans
  • $36 Consolidation CC3
Last month’s Debt Total: $68,501
This month’s Debt Total: $69,960
Deficit of $1,459 due to booking travel. 

Christmas “Shopping”: $358.47
ETA: Food & Dining, note: $70 of that was Christmas celebration
I received a payout this month. $1,000 emergency fund refueled and the rest spend on travel bags & accessories.

November 2018 Debt & Expense Report [-$68,501]

Quick update for November. How did the Jane’s financial house do? This month’s debt was reduced from $69,324 to $68,501.

Here is a list of my debts with the total amounts and the payment made this month.

Debt(SD: 4/2018)(10/2018)(11/2018)
Auto Loan – Paid off (4/2018)$0$0$0
New Used-Auto Loan$13,071$11,523$11,275
Signature Loan$11,510$8,398$7,907
Student Loans$46,996$45,756$45,697
CC1 – Paid off (5/2018)$740$0$0
CC2 – Paid off (5/2018)$2,401$0$0
Total Debt$81,120$69,324$68,501

*CC3 snowball is behind schedule by approximately $1030.

Monthly Debt Recap for 2018


  • April 2018 [-81,120]
  • May 2018 [-76,840]
  • June 2018 [-73,315]
  • July 2018 [-72,002]
  • August 2018 [-71,311]
  • September 2018 [-70,381]
  • October 2018 [-$69,324]




Auto Gas$205
Entertainment, Home$32
Entertainment, Viagogo$809
Gift, planned$500
Everything Else$100

I sit here in pity with what am I doing wrong – like something is not clicking. But here you see $800 on tickets (I changed my mind on discussing how much I spent for them). $800 hard earned bucks down the drain into nothingness within 2.5 seconds of click, click, click, purchase. Sigh.

Moving on. (I realize that was my emergency fund down the drain).

I continue to mosey along. Nothing exciting but a series of small consistent moves to continue my pursuit towards a life of debt freedom.

Thinking, what are my buckets…


  • Live within my means, frugal (and always a struggle for me)
  • Pay down that debt ferociously (w/out accruing new debt)
  • Save an emergency fund 
  • And try to have some frugal fun along the way (I gloat at this as a getting-there-middle-age woman with expectations that I should be able to throw money around when I hit this age – hard wake up call)

I realize a lot of it has to do with the mindset too. Too often I am pessimistic in my outlook on this personal finance journey. I blame it on my genes (after all, I heard happiness is 50% genes). But if I look at it as an awesome challenge – it would be much more rewarding, mindfully.

Being that I have been doing this movement for so long in trying to make and STICK with proper process, it’s been tiring. So pessimism pursues me.

Perhaps one day I will change to Jane Pursues Lean FI (if retiring early can equate to retiring at 60, then I will add RE to FI to make FIRE).


$5 Saving Challenge


Started to save my $5s 💵. I don’t have a goal in mind. But I have plenty of things I can earmark it for. Like an emergency fund, a potential big goal in mind, holiday fun and more. Whatever shall I do? ⁣ ⁣ I realize funding my Emergency fund would be best. ⁣ ⁣ #debtfreecommunity #debtfreejourney #saving #savings #savingschallenge #5dollarchallenge #masonjar

A post shared by Jane (@frugal2fi) on

Can we talk about this $5 Savings Challenge? Initially I thought it was a good idea, but recent transactions have left me with an abundance of $5s in change. Sounds great right? But I am whittling away my budget way too quick! Which teaches me a couple of things:


  • Pack work breakfasts and lunches
  • Or, don’t buy food at work with a $20 because I Always get $5s back!
  • Start going to the bank for my Cash Budget so I have less $20s to break
  • Be afraid to spend… LOL

I am already up $115 in 3 weeks. Yikes!

I intend to use the funds either to build up my Emergency fund or take down the CC3 Debt. The CC3 needs to be paid off by October 2019 so interest is not accrued.


That’s it for my November debt recap. How was your November?

About Jane

Frugal To FI, Jane – I am a single woman on a late start journey to pay off a lot of debt via living frugal, keeping a budget and using cash envelopes.

After finding the Mr. Money Mustache Forum and the blog, No More Harvard Debt – I was able to straighten out my personal finances and get my daily expenditures under control.

I even have a great plan to be able to retire in the nick of time.

Plan (not calculating SSI):

Retirement Updated 12/2018
Future expenses $2,000
x12 $24,000
x25 $600,000
Currently NW $78,564
Current Deficit -$521,436
Assuming I keep adding (@ 8% return) $1,000
Retire in (years) 15
Yes, I am okay to retire at: 60
Always earmark at least $12,000/yr pretax 401k
Pay off Debt
Save $5,000 – $20,000 Emergency Fund
Future Goals
Then downgrade the job due to a disability (anticipate $55K year)
Move to nature (anticipate $3,000/m expenses)
Forever live frugally
Allot $4K/yr to travel
Retire at 60

But… I still own credit cards or have a habit of taking out loans. While a lot of people can handle credit responsibly, I have ADHD. Which means I struggle with impulse control and executive functioning. Especially when it comes to travel, concert tickets and emotions.

A “You Only Live Once” mindset is hard to exchange for delayed gratification.

I can pay down debt, but I need to learn how not to take out more credit even when the options are eagerly available to me.

Until I get that under control, it’s likely I will continue to struggle with getting out of debt.


  • is a good income earner
  • but has a lot of debt
  • has a fantastic credit score
  • introverted, ADHD, OCD
  • has a dependent and a cat
  • lives in a HCOL area with small sq. footage
  • now uses money envelopes and budgets religiously
  • Has a plan that would allow her to retire by 60 or give her self the Option to Retire



Jane on Instagram

Frugal To FI – Jane

Little bit edgy. Artsy, foodie, avid coffee & tea drinker. Loves to read the daily horoscope. Would love to travel when the time is right.