"Go without, 'til the need seeps in"

You may remember my last update on my NPV from last November. My goal, at the time, was to have a $0 NPV by January.

Well, I did and didn't meet my goal. I paid off our Saturn. But then acquired $2500 in unexpected debt. (That isn't so bad, without insurance I'd have about $50,000 in new debt.)

So, perhaps unsurprisingly, my current NPV is actually -$2,800. A small bit higher than it was a few months ago. Which is somewhat distressing. (Not nearly as much progress as I'd liked to have made.)

Now I'm considering selling the Civic to buy a cheaper car. The Civic has maybe $4,000-$5,000 in equity. So I could get a fairly nice car and have a much smaller payment... which would help me pay everything off sooner.

I've also taken the opportunity to start selling my game collection. I still have an irrational block when I think about selling some of my classic N64, SNES and PSX games, although a few are worth a pretty penny at this point.

Perhaps in another few months I'll be further on my way. But for now, I'm not too upset considering the progress I've already made... even if it doesn't show up in my NPV.