Tuesday, July 13, 2021





Hello Tuesday!  This is the day that we make an extra effort to pay down our debt and slide into retirement debt-free .  Most every Tuesday we apply extra cash (whether it be BIG or small) to our outstanding debt.  This helps keeps us aware of and accountable for our debt. And it all makes a difference.

Our only debt is a HELOC with an interest rate of 2.24% The minimum monthly payment goes towards the PRINCIPAL and the INTEREST.   I am chipping away at the balance until we sell my deceased mom's house that is currently being used as a rental. At that point, we will pay off the rest of the balance.  Until then, I will be sending in payment to this debt and to my taxable investment account every Tuesday. 

My last Transfer Tuesday was  July 6, 2021

Previous balance on last Transfer Tuesday Post   $67,082.46

Money Moves This Week: 
eBay 10% of weekly payout $32
Etsy $37.22 
Cash Rewards Payouts have all been deposited to our banking account. 

 GetUpSide $72.55
BOA CC Rewards His: $66.78
BOA CC Rewards Hers: $44.20
TOTAL $183.53

Sending $100.00 to my M1 Finance account.  M1 will spread the payment between my first Pie (stocks I selected) and VTI (Vanguard Total Stock Market ETF) 
The balance as of this morning is $836.46

I also have a savings account with M1Finance. That side currently has $396.39 in it as of this morning.  This account may be a landing spot for future Required Minimum Distributions (from an inherited IRA) as the interest is currently 1%. The savings account this is currently being used has a rate of 0.01%.

And  I will be sending $152.75 to the HELOC

The NEW balance will be  $66,929.71 I will be sending in at least $0.71 in too.  The cents drive me bananas.  I like it to have no cents showing. 

When we started paying down the debt in Sept 2019 we were at $95,853.00

How was your Transfer Tuesday? 

My inspiration for Transfer Tuesday is Pennies Not Perfection



  1. Well done! We are slowly transferring money to our mortgage, from the vacation house sale.

    1. Excellent! Hope it will whittle down your mortgage considerably!

  2. I love how you do this and I need to start doing this with you, just too lazy and having too much fun!

    1. You are the queen if money saving challenges!! Keep having fun!!

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