idlechatter
Initiate Member
Joined: Sept 7, 2013 15:12:54 GMT -5
Posts: 70
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Post by idlechatter on Aug 15, 2018 9:51:34 GMT -5
As promised, on time for the first time in a few months...Life is really weighing me down these days. Summary- CC#2 debt went from $2,323.84 last month to $300.00 and will be paid off before the end of the month!
- Total debt payoff this month of $3,165.60! Most months will be half of that.
- Milestone: the BIG student loan is now under $20K!!
- $16,846.84 paid off since (re)joining WIRR in December 17! (CRAZY!!)
Goals- CC#2 paid off no later than Sept 2018 update
(this will totally happen but I'm not taking it off of my goals until it does!) - Under $50K by December 2018 update.
- Reach 50% paid off by December 2018
- Pay off another student loan by Feb 2019.
- Only have student loans and car loan debt by March 2019
idlechatter (2) 7/15/2018 $56,777.94 (12/13/2017 $71,083.09 C165) Debt | Starting Debt | WIRR Start 12/13/2017 | 8/15/2018 | Difference from WIRR Start | Total Difference | Total % Paid | CC#1a | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | - | CC#1b | $4,846.31 | $4,846.31 | $3,400.00 | -$1,446.31 | -$1,446.31 | 29.84% | CC#2 | $1,592.09 | $1,592.09 | $300.00 | -$3,833.78 | -$3,833.78 | 240.80% | SL#A | $3,024.00 | $640.37 | $0.00 | -$640.37 | -$3,024.00 | 100.00% | SL#B | $8,400.00 | $5,465.90 | $5,027.68 | -$438.22 | -$3,372.32 | 40.15% | SL#C | $31,822.91 | $21,424.73 | $19,980.72 | -$1,444.01 | -$11,842.19 | 37.21% | SL#D | $8,400.00 | $5,596.11 | $5,089.25 | -$506.86 | -$3,310.75 | 39.41% | SL#E | $11,370.48 | $8,723.05 | $7,822.07 | -$900.98 | -$3,548.41 | 31.21% | SL#6 | $6,581.00 | $2,926.35 | $2,149.74 | -$776.61 | -$4,431.26 | 67.33% | Auto | $19,036.80 | $15,864.00 | $13,008.48 | -$2,855.52 | -$6,028.32 | 31.67% | Moto | $4,384.14 | $4,004.18 | $0.00 | -$4,004.18 | -$4,384.14 | 100.00% | Total | $99,457.73 | $71,083.09 | $56,777.94 | -$16,846.84 | -$45,221.48 | 45.47% |
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nikiz628
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Joined: Jun 11, 2013 17:25:59 GMT -5
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Post by nikiz628 on Aug 15, 2018 14:15:01 GMT -5
DH and I are expecting baby #2 in December, a little girl. I'm working on making sure we have enough to cover out-of-pocket expenses for the birth and hospital stay (should be a planned C-section). We have money in savings to buy furniture and things. And since we just had our little boy last year, we already have most of the baby "stuff". Things will get pretty nutty by the end of the year, so for now we're just enjoying the time with our little guy.
Congratulations on the sweet baby girl! Enjoy all the time with your little man this year!
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paynointerest
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Joined: Dec 21, 2010 1:35:20 GMT -5
Posts: 440
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Post by paynointerest on Aug 15, 2018 16:29:24 GMT -5
Update! $21,000.00 (New debt total: 08/28 $388,835)We finally got a break from all of this rain. I found out that I'm getting a 2% raise. Woo hoo!
I hope all is going well!
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,504
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Post by ners on Aug 15, 2018 18:40:00 GMT -5
Update Race 1
75868.45 (1/3/2011 $97,382.42 MPT5)
291.30 paid down this month.
Doing well on goal at 77.47 % A little behind on my stretch goal at 64.04%
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urdoingit
Established Member
May the road rise to meet you ...
Joined: Dec 23, 2010 8:04:56 GMT -5
Posts: 480
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Post by urdoingit on Aug 16, 2018 6:40:47 GMT -5
Congratulations, Minnesotagirl!!! What wonderful news!! 8 Year WIRRversary!
It’s been an especially challenging year for me. The 23rd of this month marks the 10 month anniversary of my DH’s passing. So much has changed in my life and I’m still finding my way through the grief process.
The biggest financial adjustment for me has been learning to adapt to only having income every 2 weeks. It should not have been that hard to make the adjustment, but the reality is that it has taken months. I think I have a handle on it now (finally!) and that is encouraging.
I met some of the goals from last year:
* Paid off the mortgage * EF is still growing, albeit at a slower pace * Home maintenance projects are finally underway after 6 months of haggling with contractors * New car savings continues to grow and I should have enough to pay cash for a replacement vehicle when I’m ready * I traveled with my DS to Japan in April and will be going to Greece in September with my eldest DD * I have started clearing out the *stuff* that has accumulated – not ready to part with anything of DH’s yet, but I am chipping away at my piles of junk
My “ah-ha” moments for the year were tough: being informed by Social Security that I was not entitled to a single penny on a widow’s claim because “I make too much money.” Finding out that I have to make quarterly state income tax payments this year when I was also facing paying off DH’s medical bills (thank goodness for insurance!).
I cannot stress enough how grateful I am to the WIRR and all the invaluable lessons I learned from the members over the years. Had I not taken the leap and joined 8 years ago, my life today would be so much worse than it is. As incredibly difficult as the past year has been for me emotionally, mentally and physically, at least I have not had to deal with the burden of debt I would have had if not for the WIRR. Stay on the course, Racers! Your race may be long and life has a way of throwing unexpected twists and turns at you, but if you stick to your roadmap of debt repayment, you will reach the finish line and your lives will be so much better!
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nidena
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Post by nidena on Aug 16, 2018 11:22:51 GMT -5
Guess whose house needs two new a/c systems and a new water heater? On the plus side, the company that is going to do the replacement is going to throw the water heater in for almost nothing--kind of like a Gift w/Purchase, I guess--as well as deduct a bit because I'm going to let them put a sign in my yard for a period of time after the job is done. Yeah, can I get a collective UGH!!
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nikiz628
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Post by nikiz628 on Aug 16, 2018 12:23:43 GMT -5
urdoingit- I know I am so glad YOU are here. Happy WIRR-versary!
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nikiz628
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Post by nikiz628 on Aug 16, 2018 12:28:50 GMT -5
Talk to me about Rewards Cards. I know we are all about paying down our debt, so it might seem silly that I am asking about a credit card to apply for - We have a secured Capital One card that has a $500 limit. It was the card we applied for after our bankruptcy discharge to help rebuild our credit. We have had it for a few years and I have never had to pay interest on it because I pay it off every week. It's generally just used for monthly subscription charges, grocery trips I take prior to payday, etc. Like I said, we've never carried a balance more than 30 days. The card obviously gives zero perks. I told H that if we are going to use a card like we do, we could at least be GETTING something out of it. It would be nice to just use it for whatever throughout the week and just make a payoff payment every pay day. It would make my checkbook balancing much nicer too. Do any of you have a reward card you recommend that has zero/low annual fees, good rewards, etc. Cashback is obviously ideal.
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idlechatter
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Joined: Sept 7, 2013 15:12:54 GMT -5
Posts: 70
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Post by idlechatter on Aug 16, 2018 15:29:18 GMT -5
Talk to me about Rewards Cards. I know we are all about paying down our debt, so it might seem silly that I am asking about a credit card to apply for - We have a secured Capital One card that has a $500 limit. It was the card we applied for after our bankruptcy discharge to help rebuild our credit. We have had it for a few years and I have never had to pay interest on it because I pay it off every week. It's generally just used for monthly subscription charges, grocery trips I take prior to payday, etc. Like I said, we've never carried a balance more than 30 days. The card obviously gives zero perks. I told H that if we are going to use a card like we do, we could at least be GETTING something out of it. It would be nice to just use it for whatever throughout the week and just make a payoff payment every pay day. It would make my checkbook balancing much nicer too. Do any of you have a reward card you recommend that has zero/low annual fees, good rewards, etc. Cashback is obviously ideal. Honestly, I love my Discover Card for their cash back. No annual fee. The interest rate is on the high side, but if you don't carry a balance I'm guessing that doesn't matter so much. They rotate their rewards. So for two months I'll get 5% cashback on groceries. And then the next two months its gas. And then the next two months its bulk stores. Etc. It's all "regular" stuff that I need anyway. So I just put it on the card and then apply whatever my cash rewards are to my payment for that stuff. It's usually between $10 and $20. They also have the best customer service I've encountered too, and I have a BofA Visa, a citi mastercard, an AMEX, and (banking) accounts with BofA, Chase, and CapitalOne. So I've certainly had some experience in those departments. LOL.
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Maryland Monroe
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Post by Maryland Monroe on Aug 17, 2018 8:15:32 GMT -5
I don't have a card that doesn't pay rewards, either in cash or discounts. I don't know what the interest rate is on any of these cards because I pay them in full every month.
One pays 1.25% cash (after accumulating $50) on any purchase. In four years, I have claimed $1250 in rewards. I also belong to a warehouse club that has a branded MasterCard. I get a $25 discount on the membership fee every year, 5% back for every purchase in club, 10 cents per gallon off at their gas stations, 2% at restaurants and other gas stations, and 1% on anything else. I use Amazon Prime and have their card for 5% at Amazon, 2% at gas stations/restaurants/drugstores, and 1% on everything else.
If you are going to pay in full and never pay interest, which is what I do, these and others are a really good deal.
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Minnesotagirl7
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Joined: Dec 27, 2010 11:43:59 GMT -5
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Post by Minnesotagirl7 on Aug 17, 2018 13:20:51 GMT -5
nikiz628 - DH and I use a citibank double cash card for everything (except Amazon, we have their 5% off card). We like it because we can use it for anything - groceries, gas, eating out, etc. We also put big charges on there when they come up so we can get the rewards (insurance payments and stuff like that). I put our son's daycare on the card every couple weeks, too. The way the card works is 1% for purchases, and 1% for payments. We're lazy, so we like the fact that we don't have to do anything extra to get the rewards - just use the card and pay it off every month. Its worked really well for us.
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bankergurl
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Joined: Dec 30, 2010 17:05:10 GMT -5
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Post by bankergurl on Aug 17, 2018 14:32:54 GMT -5
I agree with Idlechatter, I can't say enough good about Discover! We charge EVERYTHING to the card every month and then pay it off each month in full. The rewards are great, the website is wonderful and the customer service is outstanding. We regularly cash out our rewards for giftcards (you get an extra $5-$10 per giftcard when you get cards instead of cash, we typically get cards we can use on vaca to lower food, hotel, and rental car costs) and we have over $700 in rewards again now. The Cash Back Rewards never expire. No fees and we never pay interest since we pay it off in full every month. Talk to me about Rewards Cards. I know we are all about paying down our debt, so it might seem silly that I am asking about a credit card to apply for - We have a secured Capital One card that has a $500 limit. It was the card we applied for after our bankruptcy discharge to help rebuild our credit. We have had it for a few years and I have never had to pay interest on it because I pay it off every week. It's generally just used for monthly subscription charges, grocery trips I take prior to payday, etc. Like I said, we've never carried a balance more than 30 days. The card obviously gives zero perks. I told H that if we are going to use a card like we do, we could at least be GETTING something out of it. It would be nice to just use it for whatever throughout the week and just make a payoff payment every pay day. It would make my checkbook balancing much nicer too. Do any of you have a reward card you recommend that has zero/low annual fees, good rewards, etc. Cashback is obviously ideal. Honestly, I love my Discover Card for their cash back. No annual fee. The interest rate is on the high side, but if you don't carry a balance I'm guessing that doesn't matter so much. They rotate their rewards. So for two months I'll get 5% cashback on groceries. And then the next two months its gas. And then the next two months its bulk stores. Etc. It's all "regular" stuff that I need anyway. So I just put it on the card and then apply whatever my cash rewards are to my payment for that stuff. It's usually between $10 and $20. They also have the best customer service I've encountered too, and I have a BofA Visa, a citi mastercard, an AMEX, and (banking) accounts with BofA, Chase, and CapitalOne. So I've certainly had some experience in those departments. LOL.
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bankergurl
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Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Aug 17, 2018 14:51:13 GMT -5
Update to Race #1, #2, and #4!!$871.91 paid off in the last 2 weeks!!!
Things have been a little crazy here. When MO and I were driving home from softball last Monday night we hit a deer on the highway. MO was driving (thankfully) and two deer ran onto the highway right in front of the Jeep. There was also a vehicle passing us on the left lane at the same time, so hitting the deer was the best option over hitting the other vehicle or going into the ditch and possibly rolling the Jeep. Luckily MO was able to hit the breaks and lessen the blow to us, so it wasn't a super severe impact in the car, we and our 2 dogs who were also in the vehicle are all totally fine. The deer was not and our Jeep was totaled. It's too bad as that was our nicest and most reliable vehicle. But everyone is safe and that is all that matters! We did hear back from insurance already and we are getting back a lot more then we anticipated. We bought the Jeep in May 2016 for $5200.00....and insurance valued it at $5096.33!! So they only show the value went down $100 since we got it 27 months ago! Basically got to drive it for $50 a year! SWWEEEEEEETTTT!!!!
Our ded is $500, but since it was a non-collision accident (deer, rather then another auto, etc.) the ded is only $250, so we are getting back $4846.33!! So happy!! We will need to get a new vehicle sooner then later but for now we will make it work with our car and truck until we find the right fit for a new vehicle. We will use some of the money for medical bills and put the rest into savings for now. Hopefully we can find something new for us without having to add debt.
Also the Renter in Rental #1 who just moved in there in March is moving out. They will be paying September, and if we don't find anyone they will need to pay the rent until we find someone or until their year lease is over. I am hoping we find someone as I don't want to hassle with trying to get rent from them after they have moved out. They are good tenants, but they bought a house and I don't think they were thinking about how breaking their lease would effect them.
Savings is going good for now, almost to $18K.
Celebrations for this update:
-$871.91 paid off in the last 2 weeks!! -My Mortgage went under the next $1000 mark!! -Total Debt went under the next $1000 mark for the 5th update in a row!! (I think this is a record for me!!)
Race #1 - Banker Gurl Mortgage (Rental #2)
8/17/18 $146,950.00 (9/17/07 $250,514.73) Paidoff - $103,564.73
Debt | Interest | Start 9/17/07 | Last 7/20/18 | Current 8/17/18 | My Mortgage (Rental #2) | 3.62% | $250,514.73 | $147,300.00 | $146,950.00 |
Race #2 - Bad Debt Race
8/17/18 $17,868.36 (6/19/15 $37,603.84) Paidoff - $19,735.48
Debt | Interest | Start 6/19/15 | Last 8/3/18 | Current 8/17/18 | Student Loan | N/A | $93.97 | $0 | $0 | Payback Savings | 0% | $500.00 | $0 | $0 | David's Bridal | 0% | $275.30 | $0 | $0 | Scheel's Card | 25.24% | $929.90 | $0 | $0 | Total Rewards | 17.99% | $3,955.66 | $0 | $0 | LOC - US Bank | 21.90% | $4,994.05 | $0 | $0 | Ring - Iddeal | 9.99% | $9,334.87 | $0 | $0 | Appliances - Best Buy | 0% | $2,960.09 | $0 | $0 | Mom Loan #2 | 2.00% | $0 | $12,731.76 | $12,731.76 | Store Loan | 2.00% | $14,560.82 | $5,253.76 | $5,136.60 | Totals |
| $37,603.84 | $17,985.52 | $17,868.36 |
*Mom Loan Savings Account has $4290.00 in it so total still owed is $8,441.76.
Race #3 - MO's Mortgage/HELOC
7/20/18 $82,420.71 (6/19/15 $119,756.61) Paidoff - $37,335.90
Debt | Interest | Start 6/19/15 | Last 6/22/18 | Current 7/20/18 | HELOC | 3.5% | $30,324.70 | $0 | $0 | MO Mortgage (Rental #1) | 4.5% | $89,431.91 | $82,624.21 | $82,420.71 | Totals |
| $119,756.61 | $82,624.21 | $82,420.71 |
Race #4 - Our Mortgage
8/17/18 $243,488.79 (9/2/15 $270,000.00) Paidoff - $26,511.21
Debt | Interest | Start 9/2/15 | Last 7/20/18 | Current 8/17/18 | Our Mortgage | 4.125% | $270,000.00 | $243,893.54 | $243,488.79 |
Yearly Progress
Date | Total Debt | 6/19/15
| $584,391.18
| 1/1/16 | $557,236.94 | 6/1/16 | $536,179.52 | 1/6/17
| $524,971.47
| 6/9/17
| $516,318.28
| 1/5/18
| $504,165.70
| 1/19/18
| $503,149.74
| 2/2/18
| $502,461.75
| 2/16/18
| $501,404.25
| 3/2/18
| $500,805.15
| 3/16/18
| $499,601.12
| 3/30/18
| $498,725.98
| 4/13/18
| $497,860.40
| 4/27/18
| $497,558.11
| 5/11/18
| $496,095.25
| 5/25/18
| $495,793.63
| 6/8/18
| $495,101.02
| 6/22/18
| $494,062.24
| 7/6/18
| $493,368.90
| 7/20/18
| $492,294.66
| 8/3/18
| $491,599.77
| 8/17/18
| $490,727.86
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muffyinthered
Established Member
Joined: Dec 22, 2010 8:19:13 GMT -5
Posts: 311
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Post by muffyinthered on Aug 18, 2018 12:43:09 GMT -5
UPDATE MuffyintheRed 8/24/2018 $53,577.00 (9/9/08 $130,444.32 S37, SU395, PRO77, 81, 86.137) NC
Paid off since joining: $76,867.32 Percentage: 59.9%
Paid off this month: $-473.63
CU Savings - $1420.90
Finally through with all the insurances! Now on to paying down debt.
We do have a short vacation planned for Labor Day weekend and my birthday. Not going far, just to Myrtle Beach, SC. Room is paid, which is why I didn't pay off very much on debt. Next month we start going strict.
Here is hoping that everybody has a great Labor Day weekend/end of summer.
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nikiz628
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Post by nikiz628 on Aug 20, 2018 11:16:09 GMT -5
Thank you guys for the suggestions- I will be looking in to them today! bankergurl- I am so glad the only thing that was injured was the Jeep. Those darn deer!
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nikiz628
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Post by nikiz628 on Aug 24, 2018 10:35:55 GMT -5
The bank that carries our auto loans and our HELOC recently merged with another bank. I am already not loving this newly formed bank. I have always paid my loan payments online, but apparently I can no longer do this because "I do not have a checking account with them." I can only log in and see my current balance and payment history. This bank is only in the next state over, so I really don't want to have to drive over to make a payment in person. I paid this month's payment via my banks online bill pay, but it's cutting the grace period dangerously close. I am sure it's a pretty standard banking practice, but I am just annoyed with the changes.
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chiver78
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Current Events Admin
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Posts: 38,706
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Post by chiver78 on Aug 24, 2018 13:13:06 GMT -5
so Monday was my 10yr anniversary of finally starting my race. I couldn't bring myself to post anything that day, due to how shitty I feel about where I am 10 years later. I had been within spitting distance of the 5500 club, and now I've come back around full course and allowed myself to more than double my original starting balance. I had a lot of help, but ultimately it falls on me as I let it happen. leading up to Monday, I had collected current balances and interest rates, noted any automatic payments to any of the cards, and figured out a path forward....at least in the immediate future. many of the cards had "breathing room" as I've been slowly paying things down. what I feel is going to be the best course of action is to consolidate as best I can, taking advantage of more promotional rates to minimize interest payments. apparently my credit is still good enough to earn those offers (phew!). by removing at least one min payment each month, I can throw that $ toward something else. while I'm discouraged that a card that keeps raising my limit (currently at $30k!!) does not have any available offers to allow a HUGE consolidation, I'm not going to let that deter me from progress. so, what I have already done: - I have moved all automatic payments onto one card, which is the only card being used at all - for these recurring charges and for things that I cannot use cash/debit like online purchases, which then get paid off immediately. for all else, cash/debit only.
- I have made two of the BTs for consolidation moves already, to long term low-interest rate promotions.
- I have mapped out the rest of the moves to consolidate and reset some higher interest rates. I've also identified which cards do not have offers available to me, and figured out which balances will be attacked first as I pay stuff down. for example, historically each time Chase sees significant "breathing room" on my account, they lower the limit. that interest rate isn't the worst, so I'll leave that one for later.
still left to do: - make the rest of the moves as planned. update WIRR tagline/reporting table once all moves are complete
- keep up on promotions, and move higher interest balances if it makes sense to do so
- PAY SHIT OFF!
I am determined to dig out. I don't like the situation I'm in, and I'm going to change it.
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nikiz628
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Post by nikiz628 on Aug 24, 2018 19:14:29 GMT -5
chiver78- YOU GOT THIS!! You've got a plan, now work it!
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nikiz628
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Post by nikiz628 on Aug 24, 2018 23:00:27 GMT -5
RACE #3
RACE #3 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Citi Best Buy CC | 0% (18 months) | $1,534.92 | $1,050.00 | $944.45 | -105.55 |
NikiZ628(3): 8/25/18 $944.45 (3/14/18 $1,534.92, WIRR171)
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debthaven
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Post by debthaven on Aug 25, 2018 1:43:15 GMT -5
chiver78 maybe this is a good excuse/time to get rid of the roommate, and maybe even get a new one who pays rent. Ideally a businessperson or student who is only there Mon-Fri but dunno if you'd find that where you live. Other suggestion which I've made before: find a friend who lives nearby and trade off living with each other for a week/weekend at a time while you rent your place(s) out on Air BnB (or give them a cut).You wouldn't need to do that forever, but it could be a very good source of income for a few months of the year and allow you to pay off a chunk of debt. We have several friends who live by the sea in Brittany who did that.
Good luck, you can do this! But I think you need to either get rid of the dead weight, or start charging him rent (and mean it).
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chiver78
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Post by chiver78 on Aug 25, 2018 6:43:37 GMT -5
chiver78 maybe this is a good excuse/time to get rid of the roommate, and maybe even get a new one who pays rent. Ideally a businessperson or student who is only there Mon-Fri but dunno if you'd find that where you live. Other suggestion which I've made before: find a friend who lives nearby and trade off living with each other for a week/weekend at a time while you rent your place(s) out on Air BnB (or give them a cut).You wouldn't need to do that forever, but it could be a very good source of income for a few months of the year and allow you to pay off a chunk of debt. We have several friends who live by the sea in Brittany who did that.
Good luck, you can do this! But I think you need to either get rid of the dead weight, or start charging him rent (and mean it). easier said than done. and I know, my house. he's the sort of person that has to think it's his idea. while I am not (yet) going out of my way to make him feel unwelcome, I am also not making him a priority either. I had done that when he first moved in, since I did need him around for the puppy. it's already had an interesting effect - he tends to head up to his room when I come home from work, and stays there most of the time. it's nice.
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debthaven
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Post by debthaven on Aug 25, 2018 8:48:58 GMT -5
He's not going to just decide to give up free rent on his own chiver78 , and you know that. I know it's easier said than done though.
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chiver78
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Post by chiver78 on Aug 25, 2018 9:20:51 GMT -5
oh I know. and as far as finding someone to pay rent, I'd actually still be on the positive if nobody moved in, so there's that. right now, I'm barely 2 months into a new job that's very local. I'm finding my new routine now that I am working days again. that's been huge for me, but pretty upsetting for my dogs that are now home during the day for longer than they are used to. I know, they are dogs. but it's still a huge change.
I'm actually in a much better frame of mind now as far as he is concerned, in that I don't really react to him anymore. if he's there and he's in a good mood, it's fine and we interact like old friends. if he's pissy and moody, I just ignore him and he eventually retreats to his cave upstairs. he no longer gets the reactions he's looking for, and I'm a lot calmer as well. last night, M and I came in a little buzzed and loud after meeting for happy hour after work and doing the shopping for tailgating today. well, I was pleasantly buzzed. she was pretty lit. anyway, we set about mixing stuffed burgers and he disappeared upstairs. whatever. I no longer GAF.
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seriousthistime
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Joined: Dec 22, 2010 20:27:07 GMT -5
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Post by seriousthistime on Aug 25, 2018 10:43:51 GMT -5
Serious this time [6]: 8/24/18, $2,525 (3/31/18 $13,825 R172) I'm not sure this will be done by the beginning of September, as I'd hoped. I have a pretty big credit card bill to pay this time, and I'm trying to pay it in full each month. On the other hand, if I paid off half the credit card bill this month, interest for the other half for one month would not be so bad. And maybe it would be worth it to be done with this. And some of the credit card balance is for reimbursable expenses which I'd probably receive payment for before the statement recycles... so... maybe.
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seriousthistime
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Joined: Dec 22, 2010 20:27:07 GMT -5
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Post by seriousthistime on Aug 25, 2018 10:57:24 GMT -5
Crap. The computer swallowed my post. But it went something like this: chiver78, you will no doubt get a range of comments from the helpful "have you considered doing X" to the not-so-helpful moral support type stuff. debthaven has begun the first camp. All good things to think about. It's the nuts and bolts of what we do. Put me in the second camp. My goodness, look at my tagline. Six races in 10 years, and when I get this one done I still have a car loan and a ginormous mortgage that I don't intend to race. I have paid off well over $100k in debt. I played the balance transfer game more times than I care to think about. Paid so much interest that I cringe to think about how much it came to. But this is a journey -- with a destination, but a journey all the same. Life happens. Celebrate the small successes. The first success is that you are tackling this by revising your plan. Good job!
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Post by lttlwhitetanktop on Aug 25, 2018 12:43:32 GMT -5
Update!
lttlwhitetanktop *8/25/18, $4389.47* (6/10/08: $36,424) M373 Been a while since I've been on here. Couple of "let's do ALL THE THINGS AT ONCE" has been happening, so I'm lucky I remember to pay my bills on time. Anyway, if I can get this number below $4000 over the next two months, I plan to take the rest out of savings and blast it away!
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nidena
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Post by nidena on Aug 25, 2018 14:13:40 GMT -5
Years ago, before I purchased LTC insurance, I did a bunch of research regarding when it should be bought. That was about five years ago. What I found made me decide to buy it. Since then, with more research, I realized that I was a bit premature in doing so. I sent the letter this week to cancel it. I feel like, instead of putting $3000 into securing a bucket of money for *sometime* in the future, it would be more prudent to put that same money into something that will grow. PLUS, it seems like 50s and 60s are a better time to purchase LTC insurance. Dementia doesn't hit my family (one side anyway) until they're in their 70s. The other side dies early because of lifestyle choices: smoking for decades, unlimited time in the sun with no sunscreen or other protection. All that being said, once I receive the acknowledgement from the LTC insurance company that they received my cancellation request, I'm going to put that money towards paying off the credit card that creeped up this year. You gotta laugh...my balance was 75% of my limit and USAA just went ahead and raised the limit so now it's only 60% of the limit. So, I'll pay off a large chunk and then lower the limit again.
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debthaven
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Post by debthaven on Aug 25, 2018 16:45:31 GMT -5
I'm not sure this will be done by the beginning of September, as I'd hoped. I have a pretty big credit card bill to pay this time, and I'm trying to pay it in full each month. On the other hand, if I paid off half the credit card bill this month, interest for the other half for one month would not be so bad. And maybe it would be worth it to be done with this. And some of the credit card balance is for reimbursable expenses which I'd probably receive payment for before the statement recycles... so... maybe. Both options sound good seriousthistime! Either way, that debt is nearly gone, even if it takes you another month to get there.
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murphath
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Post by murphath on Aug 27, 2018 18:38:07 GMT -5
nikiz628: Credit card rewards can be a blessing and a curse. I'm a cc churner and have reaped the rewards offered. But, I'm also not a big spender on "stuff" and am very strategic about the cc's. If you want to get your feet wet, I agree that the Discover card might be your best best. They currently have an offer of doubling your first year rewards. In other words, if you've accumulated $100 in rewards during the first 12 months of having the card, they will double it to $200 on your anniversary. Using the rewards for gift cards is the best option (moneywise) as you can purchase a $50 gift card for $45 in rewards. Of course, all of this is a mute point if you aren't disciplined in paying off the card each month. It's still important to stick to your budget. But if I can get some rewards for paying my phone bill, water bill, gas bill, etc., then why not. My DH is still working at age 65 (p/t at something he loves) so we have to pay his medicare premium part B every 3 months--around $405. I usually get a new cc that offers $150 in rewards after spending $500 in first three months (Bank of America, Chase Freedom, HSBC, Capitol One all have this offer). I'll pay his premium, then purchase either a gas gift card or grocery store gift card with the other $95 required to hit $500. Do the same under my DH's name so this year we will get $1200 from just those 4 cards). A couple months after receiving the $150 (or buying gift cards on their site), we call and cancel the cards. Two years later we can do the same thing. In between then we look for the bigger bonus cards (Chase Shapphire Preferred etc.). I've never paid a dime in interest. But you do have to be disciplined--can't stress that enough.
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nikiz628
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Post by nikiz628 on Aug 28, 2018 12:08:31 GMT -5
RACE #2 UPDATE RACE #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loans (2 cars) | 4.23% | $32,991.93 | $21,259.85 | $20,921.39 | $338.46 |
NikiZ628 (2): 8/28/2018 $20,921.39 (3/26/18 $32,991.93) Total Paid in 2018: $1,657.88 Total Paid Overall: $12,070.54
Only $921.40 left to pay until I hit my updated 2018 goal of having this race under $20k!
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