Yeah Writer88!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! We had a few winners in the last weeks at MSN and now you - You will not be forgotten, and I hope to do a big winners celebration for all the transition winners. Hugs to you!!!!
My - felt gratitude to one and all. Lifestyle, your post relates a wonderful truth: we never know how far adrift go the ripples of our actions. Here I was posting my chapters to the ladies on the board, and they ended up having an effect on someone I had never met. Amazing! And humbling, too! Thanks for posting!
Last Edit: Jan 6, 2011 0:28:49 GMT -5 by debtheaven - Back to Top
IMPORTANT Hi there everyone! I wanted to answer a few questions about the board closings for you all:
1. We are moving to notmsnmoney.proboards.com/index.cgi?board=wir 2. There are temporary threads set up now for each region. By the end of January (hopefully by the end of next week) we will have permanent proboard regional threads. We haven't set them all the way up yet because we are still learning how things work there and how we have to adapt our practices. 3. Please stop posting on MSN now - while the boards aren't currently scheduled to close until 1/14, it makes it harder for the volunteers to do their jobs. 4. Taglines will stay the same for the time being. I am working on revised codes for the proboards sites and will let you all know of changes when we open the permanent threads. 5. New members should add a "PT" for their page number until further notice: WPT, IPT, MPT, NPT, SPT 6. Smiley faces will be back as soon as possible - we are looking at different options for how to best bring them back - best for you and best for the volunteers! 7. While the urgency is over, I am still collecting email addresses so that I can reach members as needed - you can email me at cgwirr at gmail dot com. 8. Please either use your MSN nic on proboards, or tell us who you used to be - otherwise we won't know it's you!
Post by alicesfreedom on Jan 7, 2011 13:50:34 GMT -5
Hi Everyone. Here is my update:
cc #1- 191.00 - 80.00 --- 111.00 cc #2- 1065.69 - 100.00 --- 965.69 Yes Hubby got one and bought my xmas and sdd note books and pizza for guys at work. PLC 5000.00 - 3495.00 --- 1305.00 PLC 18,000.00 - 6793.35 --- 11,206.65
Post by moodymanitoba on Jan 8, 2011 11:35:32 GMT -5
Just wanted to congratulate you on your win!!! You have come so far and prove to me that slow and steady wins the race. We have all been so inspired by your words of wisdom and perseverance! Loved your "Wicked Debt" song!
If you want to add in a debt to your totals then you need to adjust your starting balances. Forgetting to adjust your starting balances will negatively skew your paid off percentages, lower your paid off amounts and limit your smilies. Let's use Thrifty's latest update as an example:
Thrifty's 01/06/09 starting balance was $201,231.48. After adjustment for the addition of "Dad debt" it would now read: $209,464.20. <201231.48 + 8232.72 = 209464.20>
Thrifty's "paid off" total would be $29,615.90. <eliminate the negative sum for "Dad debt">.
Therefore, Thrifty's bottom line should read: 14.14% paid off $179,848.30 (starting total: $209,464.20)
Last Edit: Jan 9, 2011 10:08:35 GMT -5 by debtheaven - Back to Top
Well, we got hit with a bunch of special assessments (about 2.5K for the year). Bummer!!! I haven't decided what to do about them yet, whether to pay off the car and rental reno loans as planned and then worry about the special assessments, or whether to hold some money back from the rental reno loan.
I actually wanted to borrow a few K more for the new rental in case something like this happened, but that loan seemed so "iffy" at one stage I decided not to.
In either case, I WILL pay off the car loan and "win" my current race. One, I want / need to win this race psychologically, because I will not really be debt-free for a long time with all the rental debt. Two, because it's a 355e/mo payment and that's a big chunk of change. I think if I can afford to completely pay off the rental reno loan, I will, and then redirect that 200/mo towards the special assessments.
Special assessments seem to be par for the course with the rentals, so there is something to be said for just reducing our monthly debt obligations as much as possible.
I'll make a final decision once the sale goes through and I actually know exactly how much we get and how much we owe.
But in any case, hopefully by 6 Feb I will be done!
Last Edit: Jan 9, 2011 17:01:10 GMT -5 by debtheaven - Back to Top
Post by paynointerest on Jan 9, 2011 17:03:43 GMT -5
Writer! Congratulations on winning your race
I loved your song at the end too! Your story is very inspirational and I'm looking forward to the day that I'm in your shoes! What are going to do with all of the extra $$ you'll have available to you each month?
Debtheaven: it sounds like you are making a good decision to see the outcome of your rental situation and then payoff of the car. I agree that the psychological benefit of winning your race is very important! I can't wait to see that update