DEBT	Amount	Note
Total 2/14/26	$65,906.14	Credit Card, 401k Loan, 1 Car Loan
MAIN CC 3/15/26	$830	Includes pending
Current Churn Card	$1,050	Met $6,000 spending for $750 bonus
HELOC	$15,000.00	$5,000 still in checking
Car Loan	$17,500	-$500 from last month, expected.
401k Loan	$35,600	-$1,400 from last month.
Total:	$69,980
HELOC Cash	$5,000	Pulled $15k to clear C.C interest. Held $5k to pay back toward the HELOC
3/15/26 Real Total:	$64,980
Net Progress	$926	It’s actually much more see below.

Well, it’s been a month since my lay it all out Debt Article. The chart above has the quick and dirty updates, but I do want to give some context.

In Modern U.S. Healthcare most plans reset their ‘Out-of-Pocket’ limits every January. For my family of five, this is a rough time of year. January saw my son break a hand sledding, my wife having multiple post-surgery expenses, and my oldest child’s medical needs have currently generated $5,880 in bills. Imagine if that could have gone toward my debt payments.

True Debt Paydown last 30 days	$6,242 + $1,900	$1,900 from car and 401k loan
Total:	$8,142	I’m tapped no more cash hiding.

Now, Miniwing, you cheated! You had $11,000 at 22% interest costing $2,420 per year! Yeah, I was trying really hard to let my HELOC sit as a line of credit for future investment or something else, but this journey showed me the math. Why keep fighting 22% interest when my HELOC has 10%? That’s only $1,100 a year in interest, letting $1,320 saved dollars go into fighting the debt down.

We’ll see how the next two weeks go, but on paper I should be able to clear off the Churn Card and throw $1,000 at the HELOC.

~~Miniwing~~
Parent, Stoic, Investor