The Debt Diaries (12): August 2026

💸 The Debt Diaries (12): August 2026

This month in money, mess, and progress... apparently paying off credit cards does not mean they can never come back.

August was supposed to have a fairly simple financial assignment. At the end of July, my savings was down $305 for the month, so I gave myself one goal for August: put the $305 back.

I did not do that. In fact, savings went down another $140. And, for the first time since I paid off my credit cards in February, I'm ending a month with a credit card balance again. I am not particularly thrilled to type that sentence.

But August wasn't entirely a financial step backward. Both of my installment loans decreased. My credit score held steady at 760. My total debt still went down overall. And on August 27, after months of searching, rejected offers, calculations, and wondering whether this was actually going to happen, my offer on a house was accepted.

So once again, the numbers are telling several different stories at the same time. And that's probably exactly why I'm writing them down.

💳 Debt Overview

Each monthly Debt Diaries update summarizes the previous month's financial progress using balances from the first day of the following month. For August, that means comparing my balances from August 1, 2026 with the balances I recorded on September 1, 2026.

There is also a third debt on the list this month. I paid off my credit cards completely in February, but during August, I used my ESL Visa a couple of times rather than transferring additional money out of savings. I ended the month with a $199.01 balance.

The progress bars below represent the percentage of each installment loan that has been repaid based on the original amount borrowed. The Visa is revolving credit, so it does not have a progress bar.

NYS Retirement Loan

Original Amount Borrowed: $13,702.00
Previous Month's Balance: $13,155.46
Payments: −$250.00
Accrued Interest: +$54.69
Current Balance: $12,960.15

Debt Reduced: −$195.31

Loan Progress

5.4% Paid Off

Auto Loan

Original Amount Borrowed: $17,895.93
Previous Month's Balance: $16,037.36
Payment: −$316.65
Interest: +$144.11
Current Balance: $15,864.82

Debt Reduced: −$172.54

Loan Progress

11.3% Paid Off

ESL Visa

Interest Rate: 14.75% variable
Previous Month's Balance: $0.00
Current Balance: $199.01

New Debt: +$199.01

📊 Grand Total Snapshot

Overall Debt Reduced

−$168.84

Previous Total: $29,192.82
Current Total: $29,023.98

Installment Debt Reduced: −$367.85
New Credit Card Debt: +$199.01

💸 Where the Money Went

I paid a total of $566.65 toward my retirement and auto loans during August. Of that, $198.80 went toward interest, leaving me with an actual installment-debt reduction of $367.85.

Total Paid: $566.65
Interest: $198.80

Actual Installment Debt Reduction: $367.85

That means about 64.9% of what I paid actually reduced the two loan balances, while the remaining 35.1% went toward interest. The retirement loan continues to be the more satisfying one to watch, with $195.31 of my $250 payment actually lowering the balance.

The auto loan finally moved again after showing no change between my July 1 and August 1 checkpoints. My $316.65 payment reduced the balance by $172.54, with the remaining $144.11 going toward interest.

Unfortunately, the $367.85 in progress on those two loans wasn't the whole story. I also added $199.01 in new Visa debt, which reduced my overall progress for the month to $168.84.

💰 Savings

I'm continuing to track savings without publishing the actual balance. Instead, I'll share how much went in, how much came back out, and the net change each month.

Savings Update

Deposits: +$3.00
Withdrawals: −$143.00

Net Change: −$140.00

Last month's goal was to replace the $305 that came out of savings during July. Instead, I deposited just $3 and withdrew $143, leaving me down another $140 overall.

So no, I did not accomplish the goal I set for August. Between July and August, savings has now decreased by a combined $445. I'm not particularly happy about that, especially because I also chose to use my Visa a couple of times instead of transferring even more money out of savings. Protecting the savings number was part of my reasoning, but ending up with a credit card balance instead isn't really the kind of protection I'm looking for.

At the same time, what happens to savings is about to change for a very different reason. On August 27, my offer on a house was accepted. I already know at least $1,000 will come out of savings in September for my earnest money deposit. That means September's savings number will almost certainly move backward too, but money leaving because I'm finally buying the house I've been saving for is very different from watching it disappear on ordinary expenses.

📈 Credit Score

Credit Update

Previous Score: 760
Current Score: 760
Change: 0 points

My credit score held steady at 760 this month. After spending years rebuilding it from the 500s, "nothing happened" is a perfectly acceptable credit-score update. With a mortgage application in progress, boring is exactly what I want from this number.

✅ Wins This Month

• My retirement loan balance dropped by $195.31.
• My auto loan balance dropped by $172.54.
• My two installment loans decreased by a combined $367.85.
• Even after adding the Visa balance, my total debt still decreased by $168.84.
• My credit score held steady at 760.
• My offer on a house was accepted.

⚠️ What I Struggled With

• I did not meet my August goal of replacing the $305 that came out of savings in July.
• Savings dropped another $140 instead.
• I used my Visa rather than transferring additional money from savings.
• I'm ending the month with $199.01 in credit card debt after paying my cards off completely in February.
• I'm entering a period where savings, debt payoff, and the upfront costs of buying a house are all competing for the same money.

💭 Real Talk

I don't like seeing $199.01 in that Visa column. Part of me immediately wants to add all the qualifiers: it's only $199, I'm planning to pay it off this month, I didn't run up thousands of dollars, and my total debt still decreased overall. All of those things are true. But another thing is also true: I paid off my credit cards in February, and I wanted them to stay paid off.

For years, credit cards were one of the clearest measurements of how financially overwhelmed I was. During my divorce, the balances climbed until I eventually owed more than $26,000. Paying them off wasn't just another number disappearing from a spreadsheet. It represented getting out from underneath something that had followed me for years. So yes, seeing a balance there again bothers me.

I used the Visa a couple of times in August because I didn't want to take more money from savings. I understand the logic I was using at the time, especially after working so hard to build that account. But moving an expense onto a credit card doesn't actually preserve the money. It just moves the problem.

At the same time, I don't think $199.01 means I've somehow undone everything I've accomplished. Six months ago, I paid off my credit cards completely. They're not quietly accumulating thousands of dollars again. I caught this immediately, I know exactly what happened, and I have a plan to get the balance back to zero. Financial progress isn't never making a choice I dislike. It's catching it before it becomes a pattern.

And August had a much bigger financial development happening in the background. I got the house. Or, more accurately, I got an accepted offer on the house. There are still several steps between an accepted offer and standing in the kitchen holding the keys, but this changes things. For months, I've been trying to do two things at once: pay down the debt I already have and build savings to buy a home. Now I'm beginning to cross from saving for a house into actually paying for one.

That means the numbers are going to look different. I already know $1,000 will leave savings in September for my earnest money deposit. If everything goes according to plan, eventually an entirely new and considerably larger number will appear in these posts: a mortgage. The Debt Diaries will have to change again when that happens.

That seems appropriate. When I started this series years ago, financial progress meant watching a long list of debts disappear. Then it became rebuilding. Then saving. Now, maybe, it's becoming building something.

But before I add a mortgage to this spreadsheet, I have one small piece of old business to take care of. The Visa has overstayed its welcome.

Goal for September

Pay the Visa Back to $0

Eliminate the $199.01 balance before it has a chance to grow.

I already know September isn't going to be a month when savings goes up. At least $1,000 is coming out for the earnest money deposit on the house, so I'm not giving myself a savings goal that I know I'm going to fail before the month really begins.

Instead, the goal is to keep this financial transition as clean as I can: pay off the Visa, keep making my regular loan payments, and let some of the money I've spent all this time saving finally do the job I saved it to do.

← Previous: July 2026 | Next: September 2026 →

This post is part of my Debt Diaries series, where I share the numbers, setbacks, wins, and lessons from my journey toward financial freedom.

Explore the full series on the Debt Diaries landing page.

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Exact Model, Exact Color (One Minute Memoir)

A Memoir on Christmas in August, Smart-Home Planning, and Extremely Specific Instructions

Setting: August 2026 — Somewhere between summer vacation and Christmas morning

Yesterday afternoon, while I was at work, my phone buzzed. Caleb had shared a note with me.

Christmas wish list was the title.

It was August. I had not asked for a Christmas list. Apparently, neither of those facts mattered.

I opened it expecting the usual kid chaos. A bunch of random things. Something wildly expensive. Maybe something he’d forget he wanted by October. Instead, there were exactly three items: an Echo Dot Max in amethyst, an Echo Glow, and an Echo Spot in ocean blue.

That was it.

Honestly, the fact that there were only three things on the list alarmed me more than the fact that I had received a Christmas list in August. Three items? From a child? Suspicious.

So I texted him.

“What will you do with all the Echos? Put them in different rooms?”

“Yes.”

This seemed like a reasonable question considering he already owns multiple Echos. Apparently, however, his current collection was merely the foundation.

Then came the plan. The Echo Glow was a night light. The Echo Spot would go on his bedside stand. The Echo Dot Max would go in the living room. Holden would have his own Echo Glow and his own Echo for his room.

Apparently, Caleb had already completed the smart-home technology plan for a house we do not yet live in.

I asked what he would use them for.

“To play music and stuff?”

“Yes.”

Then, more specifically:

“I can use the Echo Spot to play my spa music at night.”

Naturally.

This is the same child who can turn nearly any piece of technology into a fully developed system before I’ve even figured out where the charger goes.

I looked back at the note. It wasn’t just three products tossed onto a list. There were direct Amazon links. Exact models. Exact colors. And at the bottom, one final instruction:

Make sure to check “This is a gift” when buying these items on Amazon!

Not because he was worried about preserving the surprise. Because if I didn’t, Amazon might automatically register the devices to my account instead of his.

Of course he had thought of that.

By the time I finished reading, I realized this was less a wish list and more a fully planned installation. Exact products. Exact colors. Exact rooms. Even instructions to make sure the devices ended up registered to the correct account.

This was, technically, a child getting excited about Christmas.

Nothing says childhood wonder quite like account-registration strategy.

This post is part of my One-Minute Memoir series — short reflections on small moments that still manage to say something big.

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Month in Review: August 2026

August 2026 in Review

August looked calm on paper. There wasn't much on the calendar, and after the major changes of July, I thought maybe life would finally slow down a little. Instead, the entire month was consumed by house hunting. Showings, open houses, offers, waiting, rejection, hope, and finally, one accepted offer. In theory, August was quiet. In actuality? It was insane.

Month by the Numbers

Weight: ↓ 6 lbs	|	Migraines: 3
Runs / Walks: 0	|	Books: 0
Blog Posts: 12	|	OMMs: 3
Savings: ↓ $140	|	Debt: ↓ $168.64

OMM = One Minute Memoir

Apparently all available reading and walking time was reassigned to house hunting. Still, the scale moved, debt went down, and by the end of the month, all that searching had actually led somewhere.

August, As It Happened

House hunting took over: If I wasn't scrolling through listings, I was talking to my realtor, driving to a showing, walking through an open house, calculating numbers, or waiting to hear whether someone had accepted an offer. We saw a lot of houses this month. Some were immediate nos. Some made me think. A few made me imagine our lives inside them. By the end of August, I had made three offers.

Two rejections: The first two offers didn't work out. Both hurt in different ways, especially because by the time you put an offer on a house, you've already let yourself imagine it a little. I learned quickly that house hunting in this market requires a strange combination of hope and emotional self-preservation.

And then, one yes: The third time was different. After weeks of searching, calculating, hoping, losing, and trying again, my offer on a house was accepted. I'm buying a house. By myself. For me and my boys. There is still plenty to happen before anyone hands me keys, but after spending so much of August wondering where we'd end up, we finally know where we're going.

Settling into my new job: August was also my first full month in my new position. I'm learning names and faces, figuring out new routines, and settling into the work. It's quiet, I have a window view, I get along really well with my new supervisor, and most importantly, I'm happy with my decision to make the move.

A luau and some Bingo: Our monthly Bingo night at the community center had a luau theme this time. Nothing life-changing, which was honestly a nice change of pace for August.

A summer afternoon at Seabreeze: Work held a summer outing at Seabreeze Amusement Park, which meant a half day away from the office, and the boys got to come along. It was a fun little break in a month when my brain was otherwise almost permanently occupied by houses.

What I Read

For the first time in a while, I didn't finish a single book this month. I've been slowly making my way through one, but between the new job and the chaos of house hunting, reading kept getting pushed aside. Hopefully September brings a little more room for it.

Yearly Progress: 17 / 100

What I Watched

August was another documentary-heavy month, with some true crime, a couple of trips to the theater, and the end of an excellent season of The Pitt.

TV Shows

The Pitt ★★★★★
HBO Max · 2026  · Season 2 · Episodes 10–15
The final stretch of another intense emergency room shift. Officially finished with season two, and this remains one of the best shows I've watched in a long time. Now I'm anxiously awaiting season three.

Grey's Anatomy
Netflix · 2005 · Season 2 · Episode 10
Slowly continuing my very long journey back through Grey's, one episode at a time.

Documentary Films & Docuseries

The Man Will Burn ★★★☆☆
HBO Max · 2026 · Docuseries · 4 episodes
A look inside the enormous Burning Man festival and the culture surrounding it. Fascinating and unlike anything I've experienced, though it could be a little slow at times.

A Toxic Love Story ★★★☆☆
Netflix · 2026 · Documentary film
A relationship and revenge story that becomes increasingly bizarre as it unfolds. A wild ride, and I enjoyed it.

A Child of My Own ★★★☆☆
Netflix · 2026 · Documentary film
A fake pregnancy becomes entangled with the abduction of a baby in a truly bizarre case. Fascinating, although the hybrid format of reenactments mixed with real interviews threw me off a little.

The Idaho Murders: College Nightmare ★★★☆☆
Netflix · 2026 ·  Docuseries · 3 episodes
A closer look at the murders of four University of Idaho students and the investigation that followed. It was a huge case I hadn't followed especially closely, so I found this interesting and eye-opening.

Skywalkers: A Love Story ★★★☆☆
Netflix · 2024 · Documentary film
Follows a daredevil couple who climb skyscrapers and perform terrifying stunts high above the ground. Fascinating, especially after I'd already heard about them following their more recent climbing drama in New York City.

Shipwrecked: Nightmare at Sea ★★★★☆
Netflix · 2026 · Documentary film
Survivors recount a terrifying shipwreck and the chaos that followed. Engaging, frightening, and really well done. I still love cruises, though.

Death of the Pastor's Wife
Netflix · 2026 ·  Docuseries · 3 episodes · Watched episodes 1–2
Examines the death of a pastor's wife and the troubling circumstances surrounding the case. I watched the first two episodes in August but finished it in September. Rating to come!

Movies

The End of Oak Street ★★★☆☆
Theater · 2026
A strange story that takes an ordinary setting somewhere increasingly unexpected. A little absurd, but pretty fun.

The Odyssey ★★☆☆☆
Theater · 2026
An epic retelling of Odysseus's long journey home after the Trojan War. Obviously a very well-made film that I could appreciate, and I love Anne Hathaway, but it was a little too slow, long, and boring for my taste.

Favorite Watch: The Pitt

What I Wrote

Unsurprisingly, much of what I wrote this month followed the house-hunting journey right along with me. I published twelve posts, including three One Minute Memoirs, and documented some of the hope, disappointment, waiting, and absurdity that came with trying to find our next home.

Favorite Essay: The Night Before Everything Could Change
I think I loved this one because it captured such a specific emotional moment: the night when I still didn't know whether the house would be ours, but I knew everything could look different by morning. It held all of that hope, fear, and waiting in one place, and now that I know how the story turned out, it means even more to me.

Favorite One Minute Memoir: The Home Inspection
This one was just funny to me. The boys had already decided they didn't want the Hilton house, so they spent the showing finding increasingly ridiculous reasons why we absolutely could not live there. The sump pump panic, Holden repeatedly pulling the light string, and the fact that these same children had previously approved a basement with a dirt floor still makes me laugh. It felt like one of those very ordinary family moments that became even funnier once I wrote it down.

Coming Up in September

September is already here, and unlike August, this month actually has plenty written on the calendar. It also feels like we're standing in the middle of several beginnings at once.

• Holden turned eight! His birthday was September 2, so we're starting the month with an official eight-year-old in the house.
• Middle school begins. Caleb has Back to School Night at his new middle school, where he'll get his schedule, locker, and a glimpse of what middle school life is going to look like. I still cannot quite believe we're here.
• Back to school. Both boys start September 8, and both are beginning at brand-new schools this year. Lots of new faces, new routines, and new territory for all of us.
• A long weekend. I'm off for Labor Day, giving us one last long weekend before school routines officially take over.
• Preparing for home. I don't have a closing date yet, but I'm expecting September to bring plenty of paperwork, forward progress, and preparation. I'm figuring out everything we'll need to start a home from scratch and trying to pick up a few things each week rather than buying it all at once.

August was about finding the house. September, hopefully, will be about getting ready to make it ours.

♥

See you next month.

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This Was Why

On losing one house, finding another, and finally understanding the detour

Last Wednesday morning, I was still waiting to find out whether I had bought a house.

Offers on the house in Hilton had been due Tuesday at 10 a.m. We figured we would hear by late afternoon. We did not.

Instead, that evening, the seller's realtor called my realtor, Mike. The sellers were investors, not someone emotionally attached to the home, and my offer was already more than $40,000 over asking... and apparently that was not enough.

“We’d like to work with you,” they said. “But we really want $250,000.”

They were also supposedly "waiting on another offer." Hours after offers were due and delayed negotiations had ended.

The games had begun.

I had liked the house. Enough to make an offer. Enough to start solving its problems in my head. The bedrooms were small, so I had been trying to figure out whether a king-size bed and dressers would fit. The kitchen had no dishwasher. The refrigerator sat in a strange little alcove that looked like someone had accidentally placed it in a neighboring room.

Naturally, instead of allowing these things to deter me, I had already started redesigning. The weird refrigerator nook could become a drink station. I had found a sage-green sideboard with a wood top and started imagining a coffee maker on one end, a little Diet Coke sign in the middle, baskets and glasses and snacks tucked into the cabinets below.

This is what I do with houses. I move into them before anyone gives me permission.

Still, I knew the Hilton house was not worth $250,000 to me. It had two bathrooms and had been renovated beautifully, but there were compromises I would have to live with every day. So when the sellers pushed for more money, we bumped my offer a little. Not to $250,000.

Then Tuesday night dragged on. Wednesday morning dragged on. Still no answer.

Mike checked in with the listing agent. Then checked in again. The responses were vague. We suspected they were using our offer to push other buyers higher, and the longer it went on, the less I liked any of it.

At some point, the frustration started replacing the hope.

Just tell me. Yes or no. I could handle either one. What I was getting tired of was the waiting.

Finally, Wednesday afternoon, my phone lit up.

Mike.

“I am sorry to let you know that they accepted another offer.”

That was it. Another house gone. I had made two offers now and lost both.

The first loss had hurt because we genuinely loved the house. The second one hurt differently because I had somehow managed to talk myself into loving it during the thirty-six hours the sellers kept us hanging.

I was disappointed. But Mike gave me approximately thirty seconds to dwell on it.

His next text was another house. “This town has great schools. Only 1 bath.”

He sent the listing. I had already seen it.

It was on South Street, and I liked the photos. The taxes were high enough that my USDA loan limit would be tight, but it was still technically possible. I told him I had been looking at that one too.

Then, because apparently losing a house immediately sends me back to Zillow like some sort of deeply unwell homing pigeon, I opened the app again.

And I found another house nearby: North Street.

Four bedrooms. One bathroom. Big rooms. Older house. A huge upstairs laundry room. Hardwood floors upstairs and hiding under some of the carpet downstairs. A backyard. A deck. A shed. It had already passed its delayed-negotiation date and was somehow still active.

I sent it to Mike. Within a few hours, he had scheduled showings for both houses that evening.

So when I got home from work, I announced to the boys that we had to leave right away. We were going to look at more houses. Holden, who had been my most enthusiastic house-hunting companion from the beginning, did not want to go. At all.

He was tired. He was crabby. He was done with houses.

I tried logic first.

“I really want you there. I need your opinion. This would be your house too.”

No enthusiasm.

So I moved on to emotional manipulation.

“Mike wants to see you. He’ll be disappointed if you don’t come.”

This was completely fabricated. Mike had said no such thing.

But Holden had developed a very particular relationship with him over the course of our house search, mostly because Holden treated every showing like an opportunity to become Mike’s unpaid, highly intrusive assistant. Lockboxes. Keys. Doors. Basements. Anything that involved touching something he probably should not be touching.

Eventually, Holden agreed. The three of us got into the car. A few minutes later, I looked in the rearview mirror and saw him asleep under his blanket.

Ah. That explained the earlier hostility.

We pulled up to North Street before Mike arrived.

The first thing I noticed was how cared for everything looked. The grass had been freshly cut. The bushes were trimmed. The landscaping looked tidy. The driveway was newly sealed. There was a pretty shed in the backyard and a deck off the house.

The boys and I got out and walked around while we waited. We climbed onto the deck.

“Wow,” I said. “This is nice.”

Then, because apparently I was already mentally owning outdoor furniture I did not possess, I turned to Holden.

“We could put the grill right out here.”

Mike arrived a few minutes later. Holden immediately forgot he had been too tired to come and resumed his duties as assistant realtor. He had to help with the lockbox. He had to help with the key.

And then we stepped inside.

The first room was the kitchen. I noticed the vintage appliances immediately. Not retro-style appliances made to look old. Actually old. And somehow, in that kitchen, they worked.

There was even an old corded phone hanging on the kitchen wall. Holden spotted it almost immediately.

"Look! They have one of those old phones!"

He said it with the fascination normally reserved for an artifact behind glass in a museum. I am old enough to remember when that was simply called a phone.

We continued taking it all in. The countertops were good quality. Mike pointed that out right away, along with the cabinetry. There was wallpaper that, in another house, I probably would have immediately added to a demolition list. Instead, I looked at it and thought: I kind of like it. Maybe not forever. But for now. It felt charming.

We moved into the family room. The boys did what children apparently do when evaluating a potential home and immediately found the couch, the Roku television, and the internet equipment.

Important infrastructure.

They sprawled out like they had already been living there for six months.

Then we went upstairs. The stairs were carpeted, and the carpet was soft. Holden discovered this immediately and began demonstrating how he intended to scoot down the stairs on his butt.

There were four bedrooms upstairs. All of them were big. That alone felt enormous after weeks of looking at houses where I was calculating whether a twin bed and dresser could coexist in the same room.

Caleb and I naturally claimed the two largest rooms. That left two smaller ones for Holden to choose from. I expected negotiations. I expected complaints. I expected him to point out that Caleb’s room was bigger. Instead, he walked into one of the smaller rooms, looked around, and happily announced that he wanted that one. Then he informed me that he would also like to keep the furniture.

Apparently he thought we were purchasing the house as a fully stocked dollhouse.

As we continued through the upstairs, we found the laundry room. Calling it a laundry room almost undersells it. It was a long room with the washer and dryer at one end, shelving along the wall, and enough unused space that my brain immediately started rearranging it.

The house only had one bathroom, downstairs. But the laundry room sat directly above it. Suddenly I could picture a future second bathroom upstairs without losing the laundry entirely.

Another problem that felt solvable.

We started to head back downstairs. We still had another showing scheduled. And somewhere on those stairs, I heard myself say it.

“I think this is it.”

I don’t remember the exact words around it. I just remember the feeling of hearing myself say it out loud.

This is it.

That startled me a little.

I had liked houses before. I had wanted houses before. I had made offers on houses before.

But this was different.

I was not standing there trying to convince myself that I could make the layout work. I was not mentally adding furniture to make the house more appealing. I was not talking myself into it because I was tired of looking.

It already felt right.

Mike said it was the best house we had seen. I agreed. We were both pleasantly surprised.

The boys continued wandering through the rooms like tiny prospective buyers with absolutely no understanding of real estate transactions. We took pictures of furniture we might ask the sellers if they were willing to sell. Holden pointed out tables he hoped we could keep.

Again: seven years old. Apparently deeply invested in side tables.

Eventually, we left.

We still went to the house on South Street. It was nice. I liked it. We even stopped at another open house afterward. That one was nice too. Normally, I would have been evaluating every detail. Comparing kitchens. Looking at taxes. Thinking about bedrooms. Mentally moving furniture.

But I could barely focus. Everything was being compared to North Street.

And nothing was winning.

By the time we drove home, I knew. Not that we would get it. Not yet. But that I wanted it.

Really wanted it.

And for the first time, losing the other two houses did not feel quite as random.

The first one had felt like ours until someone else paid more. The second one had become ours mostly because I kept imagining hard enough.

But North Street had required none of that work.

I walked in and knew.

Maybe that sounds dramatic. Maybe it is.

But after weeks of looking at houses and trying to manufacture certainty from square footage and taxes and room dimensions, something about this house quieted all of that.

I did not need to persuade myself. I did not need to rearrange the furniture in my head until the life fit.

The life was already there.

I could see the boys upstairs. I could see backpacks by the door. I could see laundry in that ridiculously long room. I could see dinners in the kitchen with the wallpaper I was suddenly in no hurry to remove.

I could see us coming home.

And somewhere between losing one house that afternoon and walking through another that evening, something shifted.

For weeks, every rejection had felt like something being taken away. Another house I could picture us in. Another version of our life that wasn’t going to happen.

But standing inside North Street, I didn’t feel like I had found another possibility.

I felt like I had found home.

Maybe the other houses had not been taken away at all. Maybe they had simply been getting out of the way.

Because suddenly, the losses made sense.  

This was why.  

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2026 Holiday Movie Schedule + Watchlist

Christmas movies are coming.

Yes, it is only September 1. No, I will not be taking questions.

The first 2026 Christmas movies have officially been announced, which means it’s time to start this year’s running schedule and watchlist. This post will grow throughout the season as Hallmark, Great American Family, Lifetime, UPtv, and the streamers release their holiday lineups.

I’ll keep adding premieres as they’re announced, update dates if anything changes, and use this as my personal checklist once Christmas movie season officially takes over my television.

As I watch, ☐ becomes ✅ and I’ll add my rating.

Last updated: August 31, 2026

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🎄 2026 Christmas Movie Stats

Watched: 0
★★★★★ Movies: 0

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🎄 Holiday Movie Schedule + Watchlist

The schedule below is chronological and combines new holiday premieres from Hallmark, Great American Family, Lifetime, and UPtv.

Legend: ☐ = To Watch  •  ✅ = Watched  •  📺 = Series/Episode  •  Channel shown at end

October

☐ Oct. 10 – An Accidental Arctic Christmas (GAF)

☐ Oct. 17 – Christmas at Moose Lake (GAF)

☐ Oct. 17 – Holiday Touchdown: A Bears Love Story (Hallmark)

☐ Oct. 24 – A Christmas Prayer II (GAF)

☐ Oct. 31 – Christmas Wrapped in Love (GAF)

November

☐ Nov. 14 – Sweet Christmas Anniversary (GAF)

☐ Nov. 21 – Silver Bells at Christmas (GAF)

☐ Nov. 28 – A Christmas Rescue (GAF)

☐ Nov. 28 – Holiday Ever After: A Disney World Wish Come True (Hallmark)

☐ Nov. 29 – A Second Chance Christmas (GAF)

☐ Nov. 29 – The Greatest Christmas Gift (GAF)

December

☐ Dec. 5 – A Grand Biltmore Christmas (Hallmark)

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🎁 Announced for 2026 · Premiere Date TBA

These movies have been announced for the 2026 holiday season, but their premiere dates haven’t been confirmed yet. I’ll move them into the chronological schedule as dates are announced.

Hallmark Channel

☐ Christmas Delivered

☐ The Nights Before Christmas

Great American Family

☐ A Christmas Prayer Tradition

☐ A Very Evergreen Christmas

☐ An Ozark Mountain Christmas

☐ Christmas at the Starlight

☐ Christmas By the Spoonful

☐ Christmas Meant to Be

☐ Letters this Christmas

☐ The Christmas Ring

☐ The Christmas Yes List

☐ The Ornament Library

☐ Three Generations at Christmas

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📺 Other Holiday TV to Watch

Holiday series, specials, and episodes from outside the featured holiday movie networks.

More to come as 2026 holiday programming is announced.

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✨ Other New Holiday Movies to Watch

Netflix, Hulu, Prime Video, and other streaming releases will be added as they’re announced.

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🎁 Older Releases to Watch

Because apparently several dozen new Christmas movies a year are still not enough for me.

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🎄 By Channel Reference

Looking for a specific network? Here’s a quick alphabetical reference for the 2026 movies on my list.

Hallmark Channel

☐ A Grand Biltmore Christmas

☐ Christmas Delivered

☐ Holiday Ever After: A Disney World Wish Come True

☐ Holiday Touchdown: A Bears Love Story

☐ The Nights Before Christmas

Great American Family

☐ A Christmas Prayer II

☐ A Christmas Prayer Tradition

☐ A Christmas Rescue

☐ A Second Chance Christmas

☐ A Very Evergreen Christmas

☐ An Accidental Arctic Christmas

☐ An Ozark Mountain Christmas

☐ Christmas at Moose Lake

☐ Christmas at the Starlight

☐ Christmas By the Spoonful

☐ Christmas Meant to Be

☐ Christmas Wrapped in Love

☐ Letters this Christmas

☐ Silver Bells at Christmas

☐ Sweet Christmas Anniversary

☐ The Christmas Ring

☐ The Christmas Yes List

☐ The Greatest Christmas Gift

☐ The Ornament Library

☐ Three Generations at Christmas

Lifetime

Nothing announced yet.

UPtv

Nothing announced yet.

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This post will be updated throughout the 2026 holiday season as new movies are announced, premiere dates change, and I make my way through the list.

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The Home Inspection (One Minute Memoir)

A Memoir on House Hunting, Sump Pumps, and Questionable Safety Standards

Setting: August 2026 — A dangerous basement in Hilton, New York

By the time we went to look at the house in Hilton, the boys had already decided they didn’t like it. This was not based on the house itself. They wanted the house we had already made an offer on, mostly because it had a pool.

So instead of touring this one with an open mind, they seemed to be conducting some sort of investigation into why we absolutely could not live there.

Eventually, we made our way into the basement. And honestly? It was one of the better basements we had seen. Dry. Clean. Not especially creepy. I told Mike, our realtor, as much. He completely agreed.

The boys continued their inspection.

Then they found the sump pump.

It was tucked into the corner, a small opening in the floor with a few inches of water inside.

One of them pointed.

“What is this? We could fall in!”

Absolutely fucking not.

The hole was too small to fall into. The water was too shallow to drown in. And even if one of them somehow managed to wedge himself into it, he would be approximately six inches lower than he had been before and perfectly capable of climbing back out.

Still, they had seen enough. They did not like the basement.

This was particularly interesting to me considering they had previously toured basements with dirt floors and horror-movie energy without expressing nearly as much concern for their personal safety.

I reminded them that it didn’t really matter anyway. If we lived there, I would probably be the only one regularly using the basement.

Around this time, Holden began repeatedly pulling one of the light strings.

I hadn’t noticed.

Mike had.

“Don’t do that,” he told him.

I turned around.

“Why do you always need to act feral?”

The Hilton house had failed inspection.

By two children who had previously approved a dirt floor.

This post is part of my One-Minute Memoir series — short reflections on small moments that still manage to say something big.

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