Oof. That's a lot of damage.
The kitchen refresh is well underway. Refinished cupboards and a fresh coat of paint, plus new appliances, window dressings, sink, and barstools. Of course I used the annual Black Friday event to take advantage of a few promotions and discounts, but man did my credit cards still take a huge beating. That's in addition to business purchases and holiday gifts. Plus there's still some final clean-up costs coming up in a few weeks. This is by far the most "bad" debt I've ever carried.
But don't worry, there's no plans for breaking up into payments. All credit card debt will be wiped clean by the end of the year without paying any interest, just as always. That's the beauty of having cash on hand, although there will be some creative shuffling of account funds for the end-of-year rebalancing.
At least investments took a positive turn, especially the last day of the month. I hope it continues that direction in December, although from the sounds of it I'm not too hopeful for 2023. With money market rates pushing 4% I may opt for a little safety regarding new contributions.
Also prospecting new tenants for my Arizona property. The rental market seems to have taken a dive and regressed to 2020 rates in that area. I'll still have cash flow, but the income will not even be close to 2021. That's the nature of things.
The last month of 2022 should wrap things up with a bow and get back to normalcy. Should. |