The Debt Diaries (11): July 2026
💸 The Debt Diaries (11): July 2026
This month in money, mess, and progress... the numbers are moving again.
The Debt Diaries is officially back, and this is my first regular monthly update since 2018.
Last month, I shared A New Chapter, where I caught everyone up on nearly nine years of financial changes and explained how I went from tracking a mortgage, student loans, personal loans, credit cards, and two auto loans to having just two loans remaining today.
July was my first full month of tracking everything again, and it turned out to be a slightly strange one. My retirement loan finally started moving in the right direction, while my auto loan balance somehow didn't move at all between my two monthly checkpoints. I also had an unexpected expense that pulled money back out of savings, while my credit score quietly moved a few points higher.
It wasn't a dramatic month, but it was a realistic one: some progress, a setback, and a few numbers that required more investigating than I expected.
💳 Debt Overview
Each monthly Debt Diaries update will summarize the previous month's financial progress using balances from the first day of the following month. For July, that means comparing my balances from July 1, 2026 with the balances I recorded on August 1, 2026.
This gives me one consistent checkpoint every month, even when statement dates, payment dates, and account reporting don't line up neatly with the calendar.
The progress bars below represent the percentage of each loan that has been repaid based on the original amount borrowed.
Previous Month's Balance: $13,389.80
Payments: −$290.00
Accrued Interest: +$55.66
Current Balance: $13,155.46
Previous Month's Balance: $16,037.36
Current Balance: $16,037.36
📊 Grand Total Snapshot
Current Total: $29,192.82
💸 Where the Money Went
All of the measurable debt reduction this month came from the retirement loan.
I paid a total of $290 toward it during July. At the same time, another $55.66 in interest accrued, leaving me with an actual balance reduction of $234.34.
Accrued Interest: $55.66
That means about 80.8% of what I paid was enough to overcome the interest that accrued during July and lower the balance. After revisiting some of my old Debt Diaries posts, where interest sometimes swallowed a much larger portion of what we paid, I'll happily take that.
The auto loan is less satisfying to report this month. I made my regular monthly payment, but the balance I recorded on August 1 was still showing $16,037.36, exactly where it stood on July 1.
I'm assuming that's simply a quirk of when my payment posted compared with when the account balance updated. Rather than estimate how much should have gone toward principal and interest, I'm leaving the balance exactly as it appeared at my monthly checkpoint. Hopefully next month's numbers will sort themselves out.
💰 Savings
I'm also tracking my savings again, but I've decided not to publish the actual balance. Instead, I'll share how much went in, how much came back out, and the net change each month.
Withdrawals: −$705.00
I did continue adding to savings during July and deposited another $400. Unfortunately, I also withdrew $705, so I ended the month down $305 overall.
The biggest withdrawal was $450 for a new iPhone.
I don't love watching savings move backward, especially while I'm actively trying to save for a house. At the same time, this is exactly why I've worked so hard to rebuild the account. I was able to replace something I needed without putting the expense on a credit card and creating another balance to pay off.
So yes, savings went backward in July.
But I still saved $400 during the month, handled a larger expense, and stayed out of revolving debt. The next step is putting the money back.
📈 Credit Score
Current Score: 760
Change: +3 points
My credit score increased from 757 to 760 this month.
Three points isn't exactly an earth-shattering jump, but at this stage, I'm not looking for dramatic increases. After watching my score fall into the 500s during my divorce, reaching this point has been the result of a lot of smaller financial decisions stacked on top of each other.
My goal now is mostly maintenance: keep every payment on time, keep the credit cards paid off, avoid unnecessary new debt, and protect the progress I've already made as I prepare to buy a home.
✅ Wins This Month
- My retirement loan balance finally moved meaningfully in the right direction.
- Automatic retirement-loan payroll deductions finally started.
- I reduced my total debt by $234.34.
- I added $400 to savings during the month.
- My credit score increased from 757 to 760.
- I replaced my phone without creating new credit card debt.
- I remained completely free of revolving credit card debt.
⚠️ What I Struggled With
- My savings ended the month $305 lower than where it started.
- My auto-loan balance didn't show any movement between my July 1 and August 1 checkpoints.
- More than $55 in new interest accrued on the retirement loan.
- I'm still balancing two major priorities: building savings for a house and getting rid of my remaining debt.
💭 Real Talk
July feels like one of those months where the numbers don't tell the whole story.
On paper, my debt dropped by $234.34. That's nowhere near some of the larger monthly reductions I used to dream about when I wrote this series years ago.
But my finances also look completely different now.
I don't have six different debts competing for my attention anymore. I have two. I don't have credit card balances accumulating interest in the background. My credit score is 760. I've rebuilt a real savings cushion. And I'm simultaneously trying to prepare to buy a home again.
The retirement loan finally moving in the right direction is probably my favorite part of this month's update. For nearly two years, I wasn't paying on it at all, and I watched the interest slowly erase progress I'd already made. By the time I finally started paying again, the balance had climbed almost all the way back to the original amount I borrowed.
Now it's moving down again.
I'm less thrilled about savings.
I deposited $400 during July, but $705 came back out, leaving me down $305 overall. The biggest expense was replacing my phone. I could have put the purchase on a credit card and preserved the savings number, but that would have defeated the entire point of what I'm trying to build.
The goal isn't to have a savings account that never gets touched.
The goal is to have enough money sitting there that when life happens, I don't have to create new debt to deal with it.
Still, I want that $305 back.
That's probably one of the biggest differences between the old Debt Diaries and this version. I used to judge financial progress mostly by how quickly the debt number fell. Now I care about several numbers at once: debt, savings, credit, and whether I'm actually building a financial life that can absorb normal expenses without unraveling.
July moved me forward in some places and backward in another.
That's okay. August already has its assignment.
My main financial goal for August is simple: add at least $305 back into savings and recover what I lost this month. My regular debt payments will continue automatically in the background, but rebuilding that money is where I want my extra cash to go first.
Explore the full series on the Debt Diaries landing page.
Month in Review: July 2026
July 2026 in Review
July wasn't nearly as busy as June. My calendar finally slowed down, but life certainly didn't. It became one of the biggest turning points I've had in years. I started a new job, was approved for a USDA home loan, began house hunting, and closed one chapter while quietly stepping into another. It wasn't a loud month, but it was one I'll remember for a very long time.
Month by the Numbers
| Weight: ↔ 0 lbs | | | Migraines: 2 |
| Runs / Walks: 0 | | | Books: 1 |
| Blog Posts: 12 | | | OMMs: 3 |
| Savings: ↓ $305 | | | Debt: ↓ $245.37 |
OMM = One Minute Memoir
The numbers were a mixed bag this month. Savings dipped after replacing my iPhone, but debt continued moving in the right direction while life took a few exciting new turns.
July, As It Happened
A month of interviews: Even before July began, I knew something might be changing. I went on three interviews this month for two different positions, including one second-round interview. As far as I know, neither ultimately worked out, but interviewing is always good practice, and every conversation helped clarify what I wanted in the next step of my career.
A new chapter at work: Then came the surprise. A position I had applied for back in April and interviewed for in June called with an offer. At the end of the month, I said goodbye to the job and coworkers I'd grown to love over the last (almost) two years and started a new position with another New York State agency the very next day. Leaving was far more emotional than I expected. I truly loved the people I worked with, but this opportunity is a promotion and an important step forward in my career. Some goodbyes are bittersweet because they're leading you exactly where you hoped to go, even when it breaks your heart a little.
Approved for a home loan: July also brought one of the proudest moments of my adult life. After completing what felt like endless paperwork, I was approved for a USDA Direct home loan, a program that helps eligible buyers purchase homes in rural communities. I remember opening the approval email at my desk and immediately getting teary-eyed. Two years ago, after my divorce, I never imagined I'd be in a position to buy a home on my own. Since then, I've quietly paid off debt, built savings, increased my credit score by more than 200 points into the "excellent" range, and kept moving forward one decision at a time. That approval wasn't just about buying a house. It felt like proof that all those little choices had been adding up to something.
The house hunt begins: With my Certificate of Eligibility in hand, the boys and I officially started looking at houses. Equal parts exciting and terrifying. Every listing feels like a possibility, every showing comes with a dozen questions, and every decision suddenly feels much bigger than it used to. It's exciting to finally be here, even if it's also a little overwhelming.
An unavoidable upgrade: My savings took a hit this month because I had to replace my iPhone due to overheating and battery issues. It was not the most exciting way to spend money, but it was a necessary purchase. After so many months of watching my savings climb, seeing the number move backward was frustrating, even when I knew exactly why it happened.
Debt Diaries returns: I also relaunched my Debt Diaries series after a long hiatus (8 years!). My finances have changed so much since I last wrote it regularly, and it felt like the right time to bring it back. Between paying off credit cards, rebuilding my savings, improving my credit, restarting retirement loan payments, and now preparing to buy a home, there is a lot more of the story to tell.
Trying Too Good To Go: We tried the Too Good To Go app twice this month, where restaurants and stores sell surprise bags of leftover food at a discount instead of letting it go to waste. Our best score was a $4.99 Pizza Hut surprise bag that turned out to be a fresh order of breadsticks and an entire medium pepperoni pizza. There’s something ridiculously fun about not knowing what you’re getting until they hand you the bag, and that one was definitely worth five bucks.
A quieter kind of month: Unlike June, July did not have many scheduled events or outings. There was more open space on the calendar, but not necessarily more calm in my head. Starting a new job and beginning the home-buying process both came with plenty of excitement, nerves, paperwork, and uncertainty. July was quieter on paper, but life-changing underneath.
What I Read
Another light reading month, with one dystopian survival story.
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The Fallout Kids by Jordan Weir ★★★☆☆
Six strangers enter an underground bunker for a government study, only to become trapped when communication with the outside world suddenly disappears. I enjoyed it overall, but it was a somewhat slow read.
Favorite Read: The Fallout Kids
Yearly Progress: 17 / 100
What I Watched
July was a light viewing month, but one show completely took over.
TV Shows
The Pitt ★★★★★
HBO Max · 2026 · Season 2 · Episodes 1–9
What can I say? This show is addictive, and its format is so unique. The entire season follows a single day and shift inside a Pittsburgh emergency department, which makes every episode feel immediate and intense.
Documentaries & Docuseries
The Elephant in the Living Room ★★★☆☆
Amazon Prime · 2010 · Documentary film
A fascinating look at people who keep exotic animals as pets and the risks that come with bringing wild animals into ordinary homes. The people and premise were compelling, but it moved a little slowly and felt somewhat dated.
Favorite Watch: The Pitt
What I Wrote
Even with a job change and the beginning of the home-buying process, I published twelve posts, including three One Minute Memoirs. I also relaunched my Debt Diaries series after a long hiatus, giving my financial progress a regular place on the blog again.
Favorite Essay: The Time Machine
This one began with my reluctance to chaperone Caleb’s band trip to an amusement park because I was worried about how my POTS would handle the heat and walking. I went anyway, and somewhere between the rides, laughter, and watching him be brave, the difficult parts faded into the background. Sometimes the memories outlast the discomfort.
Favorite One Minute Memoir: Dinner, and Then Yours Too
Holden has a long-standing habit of studying everyone else’s food as though they may have ordered something better than he did. This Taco Bell outing captured that familiar dinner ritual perfectly.
Coming Up in August
August still looks fairly light on the calendar, though the home search is likely to fill plenty of the open space.
- The boys are going on a short trip with their dad. The house will be quiet and peaceful without them, but probably a little too quiet.
- Our monthly Bingo night at the community center.
- More house searching, more open houses, more showings... and maybe finding the one.
I am trying not to rush the process, even though every new listing makes me wonder whether it could be ours. August may be the month we find a house, or it may simply be another step closer. Either way, the possibility feels very real now.
♥
See you next month.
The Last Thing on My Calendar
On busy months, quiet dread, and the joy that sometimes arrives anyway
By the end of June, my calendar wasn’t exciting. It was exhausting.
The month had filled itself with end-of-school activities, field trips, a wedding, a musical, Bingo, doctor’s appointments, and enough time away from work that I felt like I was constantly trying to catch up somewhere else. None of these were bad things. Most were things I’d chosen or genuinely wanted to do. But one after another, they stopped feeling like experiences and started feeling like commitments.
At the very bottom of my calendar sat one final event: seeing Joe Gatto perform stand-up.
My aunt and I had wanted to see him for years. I’d watched him on television for more than a decade. If you’d asked me a month earlier what I was most looking forward to in June, that probably would have been my answer.
Instead, when the day finally arrived, I mostly felt relieved.
Not because I didn’t want to see Joe. I did.
I was relieved because after this, there was nothing left on my calendar.
That realization bothered me. How had I reached the point where I was looking forward to an empty schedule more than something my aunt and I had talked about doing for years?
We found our seats and watched the opening acts. My aunt and I chatted. It was pleasant enough, but I still felt… flat. I remember thinking maybe this was just how I experienced things now. Maybe I’d simply stopped getting excited.
Then Joe walked into the room.
Before I even realized it, I was smiling. Not just because everyone else was, but because I genuinely couldn’t help it. I found myself clapping enthusiastically as he walked toward the stage, thrilled to see someone whose face had been part of my life for so many years. For a moment, everything else disappeared.
It caught me completely off guard.
I’d spent the entire day convinced I wasn’t excited.
Turns out, I was.
The strange thing is, it isn’t just comedy shows.
It’s almost everything.
Social plans. A trip to the grocery store. A weekend away. A family gathering. Even something I’ve genuinely wanted to do for months somehow starts feeling like another obligation as the day gets closer. Before I’ve even left the house, I’ve already spent the energy thinking about it.
Then I go anyway.
Sometimes it’s as simple as going to the movies. All day, staying home sounds easier. The couch sounds more appealing. Going out feels like one more thing on the calendar.
Then the lights dim.
The previews end.
The movie begins.
Somewhere along the way, I stop thinking about the effort it took to get there. I get pulled into the story. Twenty minutes earlier, I wasn’t sure I even wanted to leave the house. Now I’m invested. I’m laughing, holding my breath, wondering what’s going to happen next.
It’s never some dramatic transformation. It’s just a quiet realization that sneaks up on me.
I’m actually glad I came.
I’ve started noticing that this is how so many of my experiences unfold. The event itself is rarely the problem. It’s everything leading up to it. The obligation. The anticipation. The feeling of having somewhere to be.
Then, somewhere along the way, the joy quietly creeps in anyway.
Not every time.
Not dramatically.
But often enough that I wonder why I keep believing my own predictions.
I’m still the person who buys the tickets. I still make the plans.
And maybe that’s because, more often than not, I end up exactly where I wanted to be. Laughing harder than I expected. Enjoying myself more than I thought I would. Driving home grateful that I went after all.
Maybe I haven't stopped looking forward.
Maybe joy just doesn't announce itself the way it used to.
It waits until the lights go down. Until the movie starts. Until the laughter comes easier than I expected.
And every now and then, it quietly reminds me that it's still there.
The Place That Became My Steady
On leaving the job that helped hold me together while everything else changed
At the end of 2024, my life as I knew it was winding down.
After a year-and-a-half battle, my divorce was finalized, and we sold our home. Everything was in upheaval. I was starting over from square one.
At the very same time, I took a new job with a state agency.
Today, almost two years later, is my last day there. Tomorrow, I will begin a new job, a promotion with another state agency.
It is an opportunity I worked hard to find. For months, I searched job postings, filled out applications (nearly 40), rewrote cover letters, prepared for interviews, and waited for calls that sometimes came and often didn’t. The process was slow and frustrating. There were jobs I wanted that went nowhere, interviews that left me hopeful, and long stretches when it felt as though I might never find the right next step.
Eventually, I did.
But getting what I had been working toward has turned out to be more emotional than I expected, because I am not leaving a place I disliked. I am leaving a place that became incredibly important to me.
When I first started, I had no real experience in this particular field, but I desperately needed a change. After working with the public for so long, I was ready to leave that behind. This was an office job with no public contact and normal weekday hours, something I had never really had before.
Despite my job background coming somewhat out of left field, they decided they liked me and took a chance on me.
I remember my first few days and how foreign everything felt. Sitting in my new cubicle, I distinctly remember the pit in my stomach as I thought, Maybe this was a mistake.
But time went on.
I found the bathrooms. I learned the shape of the building. I discovered that the office was ice cold and brought in a jacket. I decorated my cubicle. Slowly, the unfamiliar started becoming familiar.
The work itself was incredibly overwhelming at first. I thought I would never learn who was who or what was what. I had a counterpart in one of our other offices, though, and she helped me make sense of it all. We worked on a team of seven women, doing the same job from two different locations. We met frequently to go over things and spent plenty of time on Teams chat in between as she explained how everything worked, often more than once.
Eventually, things began to click. I stopped feeling quite so lost. I started to learn, and then one day I realized I actually knew what I was doing.
From the very beginning, I also felt valued and respected.
I joke that nearly every workplace has at least one toxic person, and somehow, ours didn’t. When they asked what I would miss most, that was my answer.
We respected one another. We laughed together. We worked through things together. I had never experienced a work environment that felt so consistently positive.
They gave us gifts and lunch for Administrative Professionals Day, including a McDonald’s gift card for my daily Diet Coke. They celebrated birthdays. When I accepted my new position, they held another little party to celebrate the promotion and say goodbye.
When my entire world was falling apart, I had thrown a new job into the mix too. At first, it only seemed to add another layer of stress. Before long, though, it became something else.
It became my steady.
I went to the same place at the same time every day, even when nothing else in my life felt steady or consistent. I knew where I was supposed to be. I knew who would be there. During a period when nearly everything familiar had disappeared, this job quietly became one of the safest parts of my life.
That is what makes leaving so difficult.
But I also knew I could not stay simply because staying felt comfortable. As a single mom, opportunities to earn more are necessary. I needed room to advance, even though part of me would have preferred to remain exactly where I was, surrounded by people I already knew and trusted.
Still, searching for something better was exhausting. Each application carried a tiny amount of hope, and each silence or rejection chipped away at it. There were moments when I wondered whether I should stop looking altogether and simply be grateful for the good job I already had.
Then this opportunity came along.
I was scared to tell my boss that I had accepted it. Instead of being disappointed or making me feel guilty, she was thrilled for me. She supported me completely and had even given them a reference on my behalf.
That reaction says almost everything about the kind of place I am leaving.
The Words I’m Taking With Me
Over the last week, my coworkers sent messages that made leaving even harder, but also reminded me how lucky I was to have landed among these people.
“Thank you for being part of our team. I hope your new team appreciates you as much as we do.”
“You were an amazing asset to our team and will be missed. They are lucky to get you.”
“Your presence will be deeply missed, but I’m excited to see what you’ll achieve next.”
“It was such a pleasure to have you on the team. Wishing you continued success in your next chapter. I will miss your adorable laugh.”
“You will be missed, and I will especially miss you helping with reminders to keep me on track.”
“Her greatest strengths are willingness to help, approachable demeanor and readiness to assist, attention to detail and quick response. She excels at answering my common questions: Where is…? How do you…? Can you find…? No matter how we define her skills and abilities, we can’t express enough thanks to her for being an amazing teammate.”
Reading those words was emotional. I had spent so much of the past year feeling as though I was rebuilding my life from the ground up. I did not always stop to consider that, while I was doing that, I had also become someone other people relied on, appreciated and would genuinely miss.
Today, I packed up the cubicle that once felt so strange. I took down the decorations, gathered my Diet Coke supplies, and said goodbye to the people who helped make an unstable time in my life feel manageable.
Tomorrow, I will walk into another unfamiliar building. I will find the bathrooms, learn the shape of the place, and probably spend at least a little time wondering whether I have made a mistake.
But this time, I know that unfamiliar does not always mean wrong.
I know that sometimes a place slowly becomes yours. Sometimes people who began as strangers become the people you talk to every day. Sometimes a job you accepted because you needed something different becomes an anchor you never expected to need.
I will miss this place. I will miss the work that became familiar and the people who made it feel safe. Most of all, I will miss being part of a team where I felt genuinely valued, respected, and wanted.
I am nervous about what comes next. But even still, I am proud that I kept looking, even when the search was discouraging. I know accepting this promotion was the right decision for me and for my family.
But the right decision can still hurt.
During one of the hardest chapters of my life, this job gave me somewhere steady to land. Now, I have to trust myself enough to step into what comes next.
Just the Bucket (One Minute Memoir)
A Memoir on Amusement Park Economics, Parental Exhaustion, and the Only Size Available
Setting: June 2026 — Seabreeze Amusement Park
When Caleb’s band qualified for a music competition at a local amusement park, I volunteered to chaperone. The kids performed in the morning. Then they spent the rest of the day riding rides, visiting the water park, and generally operating with the limitless energy that seems to come standard with adolescence.
By two o’clock, I had been walking around in the sun for hours. I was carrying a backpack. My feet hurt. My patience was running low.
That’s when Caleb spotted the popcorn stand.
He wanted popcorn.
I walked up to the counter and studied the menu. Popcorn was $11 with one-dollar refills. There were no sizes listed.
Assuming I was missing something, I asked what sizes they had.
The cashier pointed behind her.
“Just the bucket.”
I looked.
Sure enough, there was only one option: the bucket.
Then Caleb decided he wanted a slushie.
The choices were an $11 refillable cup... or a slightly larger $13 refillable cup. Not many options available at this stand.
A more rested version of me might have questioned all of this. She might have searched for a different stand. She might have investigated whether regular-sized snacks still existed anywhere in the park.
But by two o’clock, that woman was gone. I sighed and handed over my debit card.
Twenty-two dollars later, Caleb was carrying a giant popcorn bucket and a giant blue slushie cup. About ten minutes later, we were already back for the promised one-dollar popcorn refill.
By then, the bucket no longer seemed ridiculous. Common sense had quietly left the park hours earlier.
And maybe that wasn't such a bad thing.
Some days aren't for practical decisions. They're for giving your kid the day they'll remember.
This post is part of my One-Minute Memoir series — short reflections on small moments that still manage to say something big.