July 2018 Debt & Life Update

This post may contain affiliate links. Feel free to view my disclosure here.

In June's update, I talked about looking for a new vehicle. In my July 2018 debt & life update, I share with you how that went and more.

Good morning everyone. Today is the last day of July. This month has come and gone. It’s almost time for school to start back for some people. In June’s update, I talked about looking for a new vehicle. Little did I know that it would take me over a month to find a new one. Now that that’s over with, I’ve been able to focus on other things.

The eBay business is doing good. I nearly had $500 in sales last month. July has been good as well. At the time of writing this blog post, I was at nearly $400 in sales. Hopefully, I’m at $500 by the time you read this.

If you’re interested in learning how to sell on eBay, check out my course, How to Make Money in Your Spare Time With eBay. I teach several things that you can do to increase your sales on eBay.

A few days ago, someone posted this question in a Facebook group.


Anyone in their right mind would choose the $600,000, right? I saw some crazy answers. A lot of folks were choosing the 850 credit score. Below are a few of their comments.

That was wild to me. Some of the reasons they picked the credit were ridiculous. We have to do better as a people. As someone that discusses finances on my site, those answers show that there is a lot of work to be done.

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I knew that my debt was going up this month due to my car purchase.  I didn’t have enough money to buy it outright, so I had to get a damn car note. I’m not going to play any games when it comes to the car note. It will be eliminated within a year. This is my first time having one in 3 years and I don’t like it. This will be my last car note. Including the new car note, my debt is now $67,692.59. I’m glad I’m not at $70,000 again. I was doing good too. Minor setback equals major come up. Below is a breakdown of the numbers.

BOA –  DOWN from $1847.37 to $1747.37

Car Note – $8539.75

Earnest – DOWN from $22,673.84 to $22,622.35

Nelnet – SAME $34,783.12

In my June update, I stated that my Nelnet payment was lowered. Unfortunately, it wasn’t. I’m not sure why it was lower that month. My payment is back to where it was in May. By September, this debt will start to creep down.

You can view all of my debt updates here.

How was your month of July?

Resources That I Recommend

Earnest – I’m saving $28 per month on my private student loans and I received a lower interest rate when I refinanced with Earnest. Refinancing your student loans may help you as well.  If you’re approved for refinancing, you will also get a $200 bonus. Visit their site today.

Ebates allows you to get cash back on your online purchases. I started using ebates last year and have already received some money back. Sign up for ebates through my link and get a free $10 cash back!

Stockpile – If you are a looking to get into the stock market game but don’t have much money to invest, check out Stockpile. Stockpile has hundreds of stocks to choose from. With this affiliate link, all new users get $5 to put towards a new stock purchase when they sign up for an account.

Bluehost is a  good hosting company that you can go with if you are looking to start a WordPress blog for a good price. The Butler Journal has been hosted on Bluehost since 2013. You can get your hosting for as little as $3.95 per month (this low price is only available through my unique link). You also get a free domain when you purchase a plan of 12 months or longer. I wrote a step by step guide that will help you get started. You can find it here.


  1. Those answers are depressing 🙁 But sometimes, no matter how many times we tell people or try to explain, they still won’t get it. That’s what makes it worse. On another note, congrats on such great numbers with Ebay!

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