A Debtor’s Money Map

1 Income, 1 Map


1st Blue: The one that pays me
Bright Dark Pink: :-( The 401k that doesn’t get fed while paying down debt
Khaki Green: $
Purple: The one who dispenses the money to me or where I want alloted
Little Orangy-Orange: $ I put away for the child so she can learn about compound interest.
Grey: is the land of ghosts and demons who drain my energy
Pink-Orange: Annual Expenses (AKA, sinking funds). Basically where the EF is housed. But since funds pay out to bills periodically, I didn’t categorize it as a savings.
Blue: Expenses. If all went to crap, I hope I have my fixed expenses covered.

I KNOW! I don’t contribute to my 401K. While technically I could put away more then the punch that would be felt in Net pay, I made the decision to seize allocation to my 401K until some of the debt is eased up (like the car and C. Loan). I know about the ongoing battle of thought – should I or should I not contribute to my retirement account while paying down down?. The cogs on my 401K wheel will likely start back up end of Spring 2018.

Money Map Logistics

So, work pays me > TAXES > squeeeezzzzzee… Net pay into the checking account.  Tiny bit into a Vanguard account. Then the rest is trickled down into 4 categories:

1) Debt,
2) Sinking Funds,
3) Fixed expenses and
4) Discretionary

Anything remaining is a Snowball. It’s grey like debt because it’s all sourced to the same cause – paying for my past.

And there my friends you have a 1 income debtor’s money map.

This GenXer says, “kids, don’t try this at home”

Paying down $65,000 + of debt is no joke. It’s tiresome. I want to bang my head.

More Money Maps to Check Out!

Abandoned Cubicle

Apathy Ends (anchor)

Atypical Life

Budget on a Stick (anchor)

Cantankerous Life

CY Innovations

Debt to Riches

Eccentric Rich Uncle

Her Money Moves

I Dream of FIRE

Life Zemplified

Luxe Strategist

Making Your Money Matter

Money Metagame


Ms. Adventure Rich

Need 2 Save

Othala Fehu

Our Financial Path

Smile & Conquer

Spills Spot

The Frugal Gene

Trail to FI

The Lady In Black

The Retirement Manifesto

Working Optional

I look forward to updating my Money Map when the 401K contributions start back up and the debt is reduced. Ugh, the end of this year is going to be trying. Least I will have a couple weeks to hide in my cave and hoard All the Ice Cream.

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Tackling errands, Cleaning out the closet & that antique thingamabob

This morning I tackled many errands. Getting the oil changed in the car, returned library books, made copies of Arabic recipes, picked up the child’s Easter present (with great savings due to a couple of Michael’s coupons – $10 total for cupcake decorating kit + cute Wilton tin liners. Then I bought 3 packages of cake mix $0.99/ea – all from my bi-weekly $20 personal allowance), stocked up on groceries we will need for the week and scrubbbbbbeeeedd my car. Love that it’s CLEAN and I did it myself (it’s been a while since its had a bath). So it was freeeeee.

The car still needs to be vacuumed. I was arguing with myself earlier if it would be better to get the car washed with vacuuming done at $20 a pop every 3 months or do it myself when needed. Still have not come up with an answer. But if I do spend the money, it will also come from my allowance.

My girlfriend told me yesterday that she was impressed I could maintain with a $20/bi-weekly allowance. So am I! Let’s see if it sticks.

After all my tasks were done I was ancy to do something.

Most of the time I feel like I am sitting around biding my time until my debt gets paid off. But today I actually tried to take my child to play in the city at a museum, have lunch, and explore on the dime of our summer savings account. She declined (teenagers! normally she loves the museum, but a video game won). I really should just go alone to the exhibit I have been trying to see, but its a distance. So I saved the event for another day and set out to declutter my closet. Vowing to toss anything that I haven’t touched in 6+ months.

Unboxed the china

I unearthed the china from the boxes that my mother passed down to me a few years ago. I have never taken it out of the boxes to observe. Good time to do so and to contemplate what to do with it all. It’s a beautiful birds of paradise antique set made in England.

I always wished I could drink tea in the English countryside. Sipping Earl Grey tea with cream & sugar and the pinky finger out.

the grandparents

There is a complete setting for six people (I need to replace one broken bowl). So… what do I do with the set? It’s all very fancy. I don’t own a china cabinet to put it in. The child says she is going to throw a tea party for her friends.

It’s not worth much financially, but has a lot of sentiment. I know I vowed, but I can’t part with this just yet.

Oh ya, does anyone know what the thing on the left is? There is a small opening at the bottom. The holes on the top are too large for salt (IMO) and I cannot imagine putting that much salt in something of decent size. Maybe there is supposed to be another one? Maybe just pepper?

Found it! It’s a sugar shaker!


I decided to part with a bunch scrubs I no longer need. I’m actually bummed they are not my daily attire anymore. Because there is a fondness there like one has with lounging in yoga or pajama pants.

So, I folded them up and will drop about 5 pairs off at the thrift store. I have two other sets in practically new condition. Will list them to see if I can make a few bucks.

And I have a great Lorna Jane double zipper vest from the premium black collection I will list too (unfortunately that doesn’t fit me anymore. but I only wore it once or twice anyway).

The other stuff is odds and ends that will be donated:

  • one decorative pillow
  • nice pair of Salomon trail running shoes
  • pair of heels and pair of slide ons
  • 4 small decorative pictures in frames
  • a new cat toy the feline didn’t find entertaining
  • 3 blouses, 3 t-shirts and a jean jacket that never fit right
  • floating shelf and 2 curtain rods
  • a bag of the child’s clothes allotted for a friend but never made it there

I did not get rid of too much, but the closet is clean.

Today’s savings: $25.80

$20 washing the car myself and $5.80 by using coupons on the child’s gift (and I’ll get to the be the taste tester of delicious cupcakes)