chicg
Familiar Member
Joined: Dec 27, 2010 15:55:49 GMT -5
Posts: 742
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Post by chicg on Apr 7, 2019 10:29:20 GMT -5
Jdnstl - hugs : ) Please take care of yourself and don't apologize about updates, etc! I think the fact that you're holding it together during a stressful time of grief and illness should be applauded, and you'll get things turned back around in time. There are times in our lives when debt will likely happen and won't be a priority, you're not ignoring it, you'll pull through. I'm sorry for your loss, I'm sure stress is affecting health as well. Apologies if this is too personal, but if you haven't talked to a therapist or grief counselor, I think that can really help. I regret not doing so sooner after my dad passed. I began seeing someone almost a year ago after stress and health issues and she's been REALLY helpful regarding overall stress management. I had a few free visits through insurance/EAP so it may not cost anything/much depending on your insurance coverage.
Nidena, thanks for the words : ) I know better to compare my life to others, and in all reality I don't know if I truly want to be responsible for a home right now, it might be a case of the grass being greener on the other side, or just life/societal pressures of family, home ownership, and feeling inadequate because I don't have those things (and have always wanted them). My goals are changing now and I'm still finding my way with all that, I think I'm at the mid-life crisis point where half of me wants to buy a home and the other half wants to pack my bags and be a traveling nomad for a while : ) Either way, first I need to make progress on this darn CC debt!!!
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 7, 2019 10:44:10 GMT -5
Smileys have been updated!!!! Go check it out...
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 7, 2019 10:46:00 GMT -5
Jdnstl - hugs : ) Please take care of yourself and don't apologize about updates, etc! I think the fact that you're holding it together during a stressful time of grief and illness should be applauded, and you'll get things turned back around in time. There are times in our lives when debt will likely happen and won't be a priority, you're not ignoring it, you'll pull through. I'm sorry for your loss, I'm sure stress is affecting health as well. Apologies if this is too personal, but if you haven't talked to a therapist or grief counselor, I think that can really help. I regret not doing so sooner after my dad passed. I began seeing someone almost a year ago after stress and health issues and she's been REALLY helpful regarding overall stress management. I had a few free visits through insurance/EAP so it may not cost anything/much depending on your insurance coverage. Thanks chicg. Yes, I've started seeing a grief counselor. I also get a few free visits through EAP. It's probably one of the only reasons I'm feeling somewhat better at this time.
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nooccar
Junior Member
Joined: Jan 6, 2011 1:54:02 GMT -5
Posts: 165
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Post by nooccar on Apr 7, 2019 19:20:27 GMT -5
Update: Nooccar(2): 4/7/2019 $46,183.46 (11/4/2010 $73,475.09 WU197)
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,488
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Post by ners on Apr 8, 2019 5:50:25 GMT -5
Update race 2
10241.81 (4/21/18 12161.07 WIRR 172)
Paid 191.46 this month.
Staying on track to hit goal for the year.
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byedebtbye
New Member
Joined: Sept 23, 2018 13:27:31 GMT -5
Posts: 34
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Post by byedebtbye on Apr 9, 2019 0:43:30 GMT -5
UPDATE
ByeDebtBye: 4/8/19 $30,695.73 (09/28/18, $33,407.11, WIRR180)
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Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,796
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Post by Minnesotagirl7 on Apr 11, 2019 6:58:46 GMT -5
jdnstl- Sorry things have been so hard for you. (((hugs)))
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Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,796
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Post by Minnesotagirl7 on Apr 11, 2019 7:00:46 GMT -5
Update! | 3/18/18 | 3/12/19 | 4/11/19 | Total Difference | Car | $21,609.86 | $12,705.57 | $11,935.09 | $9,674.77 | HVAC loan | $9,410.00 | $0.00 | $0.00 | $9,410.00 | Total | $31,019.86 | $12,705.57 | $11,935.09 | $19,084.77 |
Diff Last Post | $770.48 | Total Amt Pd | $19,084.77 | Total % Pd | 61.5% |
Minnesotagirl7 [5]: 4/11/19 $11,935.09 (3/18/18 $31,019.86 C171) We closed on our new house. We're getting ready to move, hoping that happens in the next month or so. Then we'll put our current house on the market. I will likely be adding some moving costs to this race, but they won't be hanging around very long.
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Maryland Monroe
Established Member
Joined: Dec 23, 2010 16:52:51 GMT -5
Posts: 459
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Post by Maryland Monroe on Apr 11, 2019 11:04:07 GMT -5
Oh, my goodness, jdnstl. I just read your update. I can't imagine trying to keep up with all that's happened in your life in such a short time. I'm so sorry for your losses, and hope that things are starting to look up now with your health.
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Apr 11, 2019 13:22:13 GMT -5
jdnstl - Oh my overwhelming! Glad you are feeling a tiny bit better, grief is a never ending rollercoaster. All we can do is our best to get through each day!
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Apr 11, 2019 13:41:32 GMT -5
Update to Race #1, #2 and #4!$1426.51 paid off in the last 2 weeks!! My car finally died....made it to 230,383 miles! Good news is we had a backup in the garage. We pulled out MO's old 1997 Cavalier, moved the new battery that we just put in my car into his and it was up and running. Now we will do the same thing with his, drive it till it dies. Once that one is dead we will look into getting something nicer. With having to drive an hr to town we will always need a car for mileage/fuel costs reasons. So now we have the cavalier, the old truck and the new truck.
I passed my hunter safety class so this coming fall/winter I will be able to hunt with hubby. And if I don't like it, at least I will be safe.
Working on getting the garage cleaned out for the rummage sale in May. I sold the twins stroller. That sucked a lot. We have so much baby stuff that I don't know what to do with. Not in a mindset to deal with it now, the only reason I got rid of the stroller is it was really big since it is a double stroller and was taking up a lot of room in the garage, and was very painful to see it. Most of the rest of the clothes, toys, furniture are in a closet so at least I don't have to look at those.
Also selling a lot still, the more I sell now, the less I have to mark and move out to the garage. I'm able to put good deposits into savings every week from sales.
Savings is at $17,570, and should keep going up steadily.
Celebrations for this update:
-$1426.51 paid off in the last 2 weeks!! -Race #2 went under the next $1000 mark!! -Total debt passed the next $1000 mark!!
Race #1 - Banker Gurl Mortgage (Rental #2)
4/12/19 $144,100.00 (9/17/07 $250,514.73) Paidoff - $106,414.73
Debt | Interest | Start 9/17/07 | Last 3/15/19 | Current 4/12/19 | My Mortgage (Rental #2) | 3.62% | $250,514.73 | $144,450.00 | $144,100.00 |
Race #2 - Bad Debt Race
4/12/19 $37,510.30 (6/19/15 $63,603.84) Paidoff - $26,093.54
Debt | Interest | Start 6/19/15 | Last 3/29/19 | Current 4/12/19 | 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 | Store Loan
| 2.00%
| $14,560.82
| $3,249.74
| $3,131.04
| Mom Loan #2 (HELOC) | 2.00% | $0 | $8,921.06 | $8,379.26 | Mom Loan #3 (Truck - Added 9/1/18)
| 2.00%
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$26,000.00
| $26,000.00
| $26,000.00
| Totals |
| $63,603.84 | $38,170.80 | $37,510.30 |
*Mom Loan Savings Account has $4750.00 in it so total still owed is $30,171.06.
Race #3 - MO's Mortgage/HELOC
3/29/19 $80,493.13 (6/19/15 $119,756.61) Paidoff - $39,263.48
Debt | Interest | Start 6/19/15 | Last 3/15/19 | Current 3/29/19 | HELOC | 3.5% | $30,324.70 | $0 | $0 | MO Mortgage (Rental #1) | 4.5% | $89,431.91 | $80,640.00 | $80,493.13 | Totals |
| $119,756.61 | $80,640.00 | $80,493.13 |
Race #4 - Our Mortgage
4/12/19 $240,200.33 (9/2/15 $270,000.00) Paidoff - $29,383.66
Debt | Interest | Start 9/2/15 | Last 3/15/19 | Current 4/12/19 | Our Mortgage | 4.125% | $270,000.00 | $240,616.34 | $240,200.33 |
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
| 6/8/18
| $495,101.02
| 12/21/18
| $509,625.02
| 1/4/19
| $508.767.86
| 1/18/19
| $507,697.95
| 2/1/19
| $506,989.70
| 2/15/19
| $505,918.19
| 3/1/19
| $504,998.86
| 3/15/19
| $503,995.75
| 3/29/19
| $503,730.27
| 4/12/19
| $502,303.76
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*Record for going under the next $1000 mark is 9 updates in a row.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
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Post by nidena on Apr 13, 2019 18:11:14 GMT -5
UPDATE:
I was right about balances going down. I'm down $7000 since February. My CC went up by $2000 but the HVAC went down by $6700; plus the other smaller decreases in my mortgage and vehicle.
nidena: 4/13/2019 $168,010.49 (8/22/2007 $223,361.20 N453,503,NE648,NPT25)
August 2007, I had nearly $225,000 in debt and 9 lines of credit--store cards and M/C and Visa cards--a Jeep, and HEL, and a mortgage. August 2012, I was down to one credit card balance, the Jeep was paid off, bought a truck, and still had the HEL and mortgage. August 2017, that one CC was less, still had the Jeep but had sold the truck (for more than I paid), had paid off the HEL, and had the mortgage. October 2018, the CC was much less, sold the Jeep to my niece (it was 13 years old), bought the Honda, replaced two HVAC systems, a water heater, and a garbage disposal; also acquired two student loans--despite having the GIBill--because the Financial Aid person misunderstood what I was trying to explain regarding tuition needs. Used those funds to pay down the HVAC.
So, in October it was:
CC $4381 HVAC $22,635 SL A $2750 SL B $3500 HRV $29,767 mortgage $126,513
Now, it's this: CC $4246 (it's up, it's down, it's up again) HVAC $6117 (note that $16,000 difference) SL A $2750 (sub) SL B $3467 (unsub) HRV $28,335 mortgage $123,093
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ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,488
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Post by ners on Apr 16, 2019 5:50:00 GMT -5
Update Race 1
73,145.93 (1/3/2011 $97,382.42 MPT5)
338.61 paid this month On pace to hit goal.
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idlechatter
Initiate Member
Joined: Sept 7, 2013 15:12:54 GMT -5
Posts: 70
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Post by idlechatter on Apr 16, 2019 7:03:05 GMT -5
jdnstl, my heart goes out to you. Take the time you need to breathe still. I'm glad to see you back though. nikiz628, thank you! Things have been pretty great! Things are good. I still feel like I'm making good progress on several fronts. I took a week and a half off from the gym due to a neck and shoulder strain. I'm down 10-12lbs. I started dating and that's going pretty well. I applied and interviewed for the position my boss encouraged me to apply for last month (FIVE interviews!) and I got some really good feedback (They said I interviewed well, I was very well prepared, and two people I interview with are now fishing around to see if I'd like to join THEIR team!). I still don't think I'll get the job because my wonderful, very well qualified, much more experienced coworker also interviewed and she completely deserves it, but overall it's been a good experience anyway. That's about it on the home front. I am aiming to have my CC debt paid off by end of May still. I do not want to push it to June even if it will be a little tight. CC#1b's balance transfer was set to expire May 1, but it's paid off already! I am now working toward paying off the second balance transfer (and my only remaining credit card debt!) on CC#1a, which I think I have until the end of this year, but am aiming to have this paid off by the end of May. I decided I am definitely revising my 2019 goals to have something to look forward to in the later half of the year, but not until my credit card balances are paid off and I will focus on my student loans. April Summary• No new debt (CC) • Less than $1K in credit card debt • Paid off CC#1b! • Payoff of $1784.58 this month! 2019 Goals• Under $50K by February 2019 update (met February 2019!!!) • Reach 50% paid off by February 2019 (met January 2019!) • Pay off another student loan by Feb 2019. (met February 2019!!!) • Only have student loans and car loan debt by May 2019. (may have to move to June 2019, but still hopeful to meet the end of May) • Reduce SL#B to <$1K by Dec 31 19. • Reduce Auto loan to <$8K by Dec 31 19. idlechatter (2) 4/15/2019 $44,974.79 (12/13/2017 $71,083.09 C165)
Debt | Starting Debt | WIRR Start 12/13/2017 | 4/15/2019 | 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 | $0.00 | -$4,846.31 | -$4,846.31 | 100.00% | CC#2 | $1,592.09 | $1,592.09 | $975.00 | -$642.09 | -$1,642.09 | 103.14% | SL#A | $3,024.00 | $640.37 | $0.00 | -$640.37 | -$3,024.00 | 100.00% | SL#B | $8,400.00 | $5,465.90 | $4,443.35 | -$1,022.55 | -$3,956.65 | 47.10% | SL#C | $31,822.91 | $21,424.73 | $17,638.45 | -$3,786.28 | -$14,184.46 | 44.57% | SL#D | $8,400.00 | $5,596.11 | $4,430.57 | -$1,165.54 | -$3,969.43 | 47.26% | SL#E | $11,370.48 | $8,723.05 | $7,017.18 | -$1,705.87 | -$4,353.30 | 38.29% | SL#6 | $6,581.00 | $2,926.35 | $0.00 | -$2,926.35 | -$6,581.00 | 100.00% | Auto | $19,036.80 | $15,864.00 | $10,470.24 | -$5,393.76 | -$8,566.56 | 45.00% | Moto | $4,384.14 | $4,004.18 | $0.00 | -$4,004.18 | -$4,384.14 | 100.00% | Total | $99,457.73 | $71,083.09 | $44,974.79 | -$26,133.30 | -$55,507.94 | 55.81% |
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Apr 16, 2019 14:12:06 GMT -5
Room for 1 more? I need the accountability to get ride of this debt!
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lund
Familiar Member
Joined: Jul 22, 2015 7:12:22 GMT -5
Posts: 787
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Post by lund on Apr 16, 2019 15:31:13 GMT -5
jdnstl, Take care of yourself (and your son)! chicg, I like that you are working yourself to a position where you can chose what you want to do (home, travel,....) and not only do what you have to do (pay on debts). Right now, you have/have had expenses for your beloved pets. I'm glad that you care well for them. May I suggest that the next time you get a pet, you start a pet savings account for when it gets old and more expensive to care for? And as to your car account, unless I have saved it before, I like that you want to be able to buy a car if you would need one. ners, You really make steady and regular progress! idlechatter, You will soon be watching the SLs melt away.... Minnesotagirl, Congrats on the new home! noocar, Soon 5/8ths. Nice work! Haitian, "The more the merrier" might not be quite the right thing to write, but I think that you will be welcome!
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TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
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Post by TheHaitian on Apr 17, 2019 20:50:43 GMT -5
Ok... jumping right on! I was here about 3 years back and fell off because a lot happened, lost job, moved to a different state 9 hours away, had a baby, got new job, etc. So not even going to search for my old post and just starting a new race to keep it moving. We made a good income, save a good chunk but also spend a lot. We also have been tiptoeing around this debt for 2 years now (since DD was born) and it has increased some and I want it gone. More so now that we are talking about trying for #2. We do have some options to us that would help accelerate it but I am also a money "hoarder"; savings makes me feel "secure" and more so with my job on a rocky place. So yes I know we could scale back from maxing 403b and 401k, the HSA and other savings to kind accelerate the paydown but I don't want to do that yet. My goal is to be done with this in 3 years max. I used about half of our immediate EF at the beginning of the year ~10k thanks to Murphy (basement flooded, some of it insurance did not cover); MA levied 2k of my wife income for what seems to be old taxes that we are working on getting back (we did pay) and had to send ~2k to the Feds and State on 04/15 (this past Monday) for 2018 Taxes. Weird how long it takes to save 10k and how quickly it was spent (~1 month). Goal is to simply pay this sucker down. I currently send about ~$1,600/month towards the debt paydown. Big concern is in the midst of my job (crazy story, was fired and re-hired within 24 hours), me trying to launch my side business, all the craziness that is our life, a toddler : I kinda missed that the 0% trial period on those cards was ending … Imagine my shock when I was paying them this month and noticed that the balance was not going down by much... That because most of the payments for most was going towards interest. So working on a plan for that, not 100% sure yet what will be the final detail. Enough talking; here we go (rounded the numbers since easier to post like that while at work. cawiau 04/17/19 $62,000
Account | Beginning
| Current | Difference | HSBC | $1,500.00 |
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| Wells Fargo | $4,000.00 |
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| Citi #1 | $6,500.00 |
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| Citi #2 | $10,000.00 |
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| Capital One | $10,000.00
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| TD Card | $13,000.00 |
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| Discover | $17,000.00 |
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| Total | $62,000.00 |
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chicg
Familiar Member
Joined: Dec 27, 2010 15:55:49 GMT -5
Posts: 742
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Post by chicg on Apr 17, 2019 23:29:15 GMT -5
Thank you Lund! I will definitely get pet insurance next time, mine were too old by the time I learned about it to get decent coverage but there are more policy options now. I've spent over $10K in the last 4 years between both of mine (just at the vet, not including medicine, supplies, food, they both had chronic conditions), I do have a pet savings but those expenses quickly surpassed what I could save. Just last Friday I spent $675, I transferred over $400 to help cover that, but I'll be saying goodbye soon to my boy so that will be another several hundred, but I'll continue the deposit into that account for the few months I'm pet-free.
TheHaitian - I remember your posts, can't believe it was 3 years ago! Welcome back, although I'm sure you're not thrilled to be here!
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
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Post by nidena on Apr 19, 2019 10:39:20 GMT -5
Ok... jumping right on! I was here about 3 years back and fell off because a lot happened, lost job, moved to a different state 9 hours away, had a baby, got new job, etc. So not even going to search for my old post and just starting a new race to keep it moving. We made a good income, save a good chunk but also spend a lot. We also have been tiptoeing around this debt for 2 years now (since DD was born) and it has increased some and I want it gone. More so now that we are talking about trying for #2. We do have some options to us that would help accelerate it but I am also a money "hoarder"; savings makes me feel "secure" and more so with my job on a rocky place. So yes I know we could scale back from maxing 403b and 401k, the HSA and other savings to kind accelerate the paydown but I don't want to do that yet. My goal is to be done with this in 3 years max. I used about half of our immediate EF at the beginning of the year ~10k thanks to Murphy (basement flooded, some of it insurance did not cover); MA levied 2k of my wife income for what seems to be old taxes that we are working on getting back (we did pay) and had to send ~2k to the Feds and State on 04/15 (this past Monday) for 2018 Taxes. Weird how long it takes to save 10k and how quickly it was spent (~1 month). Goal is to simply pay this sucker down. I currently send about ~$1,600/month towards the debt paydown. Big concern is in the midst of my job (crazy story, was fired and re-hired within 24 hours), me trying to launch my side business, all the craziness that is our life, a toddler : I kinda missed that the 0% trial period on those cards was ending … Imagine my shock when I was paying them this month and noticed that the balance was not going down by much... That because most of the payments for most was going towards interest. So working on a plan for that, not 100% sure yet what will be the final detail. Enough talking; here we go (rounded the numbers since easier to post like that while at work. cawiau 04/17/19 $62,000
Account | Beginning
| Current | Difference | HSBC | $1,500.00 |
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| Wells Fargo | $4,000.00 |
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| Citi #1 | $6,500.00 |
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| Citi #2 | $10,000.00 |
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| Capital One | $10,000.00
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| TD Card | $13,000.00 |
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| Discover | $17,000.00 |
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| Total | $62,000.00 |
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Do you think you'll do an avalanche attack (highest %) or snowball (lowest balance)? I employed snowball until three or four months ago and then switched to avalanche because I didn't want to be paying a debt on something that wouldn't be coming with me when I moved this coming Sept i.e. my HVAC. I wanted to get its balance down to something that would surely get paid off when I sold the house. Then, with the lack of mortgage payment and other household expenses, I'll tackle the student loans and then the vehicle.
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nikiz628
Well-Known Member
Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,447
Mini-Profile Background: {"image":"","color":"4ee2dd"}
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Post by nikiz628 on Apr 19, 2019 14:54:29 GMT -5
UPDATE: Race #3 4/19/19
RACE #3 | INTEREST | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Citi Best Buy CC | 0% (18 months) | $1,534.92 | $457.41 | $357.41 | $100.00 |
NikiZ628(3): 4/19/19 $357.41 (3/14/18 $1,534.92, WIRR171)
This one is on track to be gone in 3 months or less. Definitely beating my 18 mos 0%!
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lund
Familiar Member
Joined: Jul 22, 2015 7:12:22 GMT -5
Posts: 787
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Post by lund on Apr 20, 2019 2:59:11 GMT -5
Haitian, I think that I would study the fine print. Since your job situation is somewhat iffy (I missed the fired and rehired thing - it sounds very strange!), I would check for when any 0% (or other low rate) ends, and what the minimum payments are, and also weigh in how much you owe.
For instance, the HSBC is a comparably low amount. It may be a good target in order to get one payment less to handle, and a free card for "the transfer game".
If there is a card which will comparably soon go to a high rate, it might be a good idea to target that one, if for nothing else than to get a smaller amount to "play the transfer game" with.
If there is a card with a high minimum per amount owed (make the division (minimum amount/debt amount) and compare, it can be a good idea to focus on that one, since it might be more difficult to keep is paid as agreed if money is scarce.
After doing the above, I hope that you have narrowed down the field a bit....
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imanangel
Well-Known Member
Joined: Jun 8, 2014 12:18:00 GMT -5
Posts: 1,042
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Post by imanangel on Apr 20, 2019 6:53:44 GMT -5
Care Credit- $0--Paid off!!! Capital One- $2669.53 Car Loan- $6,793.73 imanangel: Phase 1: UPDATE: $9,463.26(12/31/2018 $13,658.73 WIR 186)I have paid off $4,195.47 since I have started this race! That feels good, and the fact that Phase 1 is now below $10,000 feels pretty awesome too. I am going to have to add Phase 2 now as well. I HATE to have to post these numbers because I was feeling successful with Phase 1, but...UGH....here it goes. I will make a new post for Phase 2.
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imanangel
Well-Known Member
Joined: Jun 8, 2014 12:18:00 GMT -5
Posts: 1,042
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Post by imanangel on Apr 20, 2019 6:58:44 GMT -5
Phase 2 Debt Race
USAA CC- $14,169.16 Discover CC- $19, 016.84 Car Loan 2- $5,754 Ashley Furniture- $2,211
imanangel: Phase 2: $41,151.00 (4/20/19 WIR 5782)
This phase literally makes me sick, and it still isn't even all of my debt. UGH. I just need to stay positive and remind myself that I have already paid off a little over $4K of my other debt in just a few months. I can do this.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
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Post by nidena on Apr 20, 2019 7:50:12 GMT -5
Phase 2 Debt RaceUSAA CC- $14,169.16 Discover CC- $19, 016.84 Car Loan 2- $5,754 Ashley Furniture- $2,211 imanangel: Phase 2: $41,151.00 (4/20/19 WIR 5782)This phase literally makes me sick, and it still isn't even all of my debt. UGH. I just need to stay positive and remind myself that I have already paid off a little over $4K of my other debt in just a few months. I can do this. I've been where you've been with CC balances. I ended up cashing out my Roth to pay it off just to get it gone. Luckily, my Roth was worth less than I had put into it so there were no income penalties there. Will you focus on the Cap One at $2600 or the Ashley at $2200? Or will you avalanche and focus on the highest interest rate? Whatever the case, you've got this! By the end of this year, another one of those pesky debts will be gone.
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imanangel
Well-Known Member
Joined: Jun 8, 2014 12:18:00 GMT -5
Posts: 1,042
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Post by imanangel on Apr 20, 2019 7:53:42 GMT -5
Phase 2 Debt RaceUSAA CC- $14,169.16 Discover CC- $19, 016.84 Car Loan 2- $5,754 Ashley Furniture- $2,211 imanangel: Phase 2: $41,151.00 (4/20/19 WIR 5782)This phase literally makes me sick, and it still isn't even all of my debt. UGH. I just need to stay positive and remind myself that I have already paid off a little over $4K of my other debt in just a few months. I can do this. I've been where you've been with CC balances. I ended up cashing out my Roth to pay it off just to get it gone. Luckily, my Roth was worth less than I had put into it so there were no income penalties there. Will you focus on the Cap One at $2600 or the Ashley at $2200? Or will you avalanche and focus on the highest interest rate? Whatever the case, you've got this! By the end of this year, another one of those pesky debts will be gone. I will probably focus on the Capital one. The Ashley is 0% for a year. I can focus on that when I have the Cap One paid off.
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 20, 2019 9:30:54 GMT -5
jdnstl - Sorry things have been so hard for you. (((hugs))) Thank you!
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 20, 2019 9:31:15 GMT -5
Oh, my goodness, jdnstl . I just read your update. I can't imagine trying to keep up with all that's happened in your life in such a short time. I'm so sorry for your losses, and hope that things are starting to look up now with your health. Thank you!
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 20, 2019 9:31:57 GMT -5
jdnstl - Oh my overwhelming! Glad you are feeling a tiny bit better, grief is a never ending rollercoaster. All we can do is our best to get through each day! Thank you! Yes, I just keep doing what I can each day.
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 20, 2019 9:32:59 GMT -5
jdnstl, my heart goes out to you. Take the time you need to breathe still. I'm glad to see you back though. Thank you! It's good to be back and work on this part of my life again.
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jdnstl
Familiar Member
Joined: Dec 21, 2010 10:21:56 GMT -5
Posts: 949
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Post by jdnstl on Apr 20, 2019 9:36:58 GMT -5
jdnstl, Take care of yourself (and your son)! Yes, I am trying. It's silly but it had been since November that I had had a pedicure. I just trimmed my toes myself and let the paint chip however it wanted because I was just too exhausted. But I went last weekend for this treat and, man, did it feel good! Especially the hot stones and wax!
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