debthaven
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Post by debthaven on Oct 5, 2019 14:12:31 GMT -5
One of the things I am trying to figure out is if I should try to establish an equity line of credit on my house before it gets paid off. paynointerest , both plugginaway22 and TheOtherMe did this very recently, for that reason. I believe both of them had already paid off their mortgages. Pluggin started a thread on YM about this a week or two ago. There is also mention of it on the decluttering thread. Good luck on the marking! Sounds like you made some wise decisions there. I wish I had the autonomy to do the same. ;-)
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TheOtherMe
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Post by TheOtherMe on Oct 5, 2019 15:31:48 GMT -5
My mortgage is not paid off, but I got the debt consolidated in to a HELOC. The house appraised much higher than I had anticipated so I am not even using 1/3 of the line of credit.
That will be my go to if the furnace totally dies, etc.
ETA: I added life insurance to the HELOC will be paid off if I die.
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plugginaway22
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Post by plugginaway22 on Oct 6, 2019 7:11:01 GMT -5
Our home is paid for but getting the HELOC was recommended due to our ages/job situations as a safety net for whatever? No plans to use it right now, but it is considered a lien on the property, even with no balance due, and we are supposed to contact our home owners insurance. We took it out for just about 1/3 of the home value.
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paynointerest
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Post by paynointerest on Oct 6, 2019 7:40:54 GMT -5
One of the things I am trying to figure out is if I should try to establish an equity line of credit on my house before it gets paid off. paynointerest , both plugginaway22 and TheOtherMe did this very recently, for that reason. I believe both of them had already paid off their mortgages. Pluggin started a thread on YM about this a week or two ago. There is also mention of it on the decluttering thread. Good luck on the marking! Sounds like you made some wise decisions there. I wish I had the autonomy to do the same. ;-) Thanks for referring the others to me, debthaven. I don't have my mortgage paid off yet, I still have about $4,700 left which was why I'm thinking about a HELOC. I'm trying to figure out if once it is paid off if I don't have access to get a HELOC. If the answer is no, then I need to see if it makes sense to get a HELOC before I pay it off. I'll look for the thread on the YM board to see what that group had to say about the topic.
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paynointerest
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Post by paynointerest on Oct 6, 2019 7:42:20 GMT -5
Our home is paid for but getting the HELOC was recommended due to our ages/job situations as a safety net for whatever? No plans to use it right now, but it is considered a lien on the property, even with no balance due, and we are supposed to contact our home owners insurance. We took it out for just about 1/3 of the home value. Thanks Plugginaway22, this information is very helpful I think it would be a good idea to get the wheels in motion to get a HELOC. Once question I have, is it just a promise you can borrow the money if needed and no other strings attached? Or are you having to pay a fee to hold it in the case you need it?
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TheOtherMe
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Post by TheOtherMe on Oct 6, 2019 8:48:40 GMT -5
As my home is not paid off and the tax assessment was too low for the loan to value ratio, I had to have an appraisal.
There were minimal other closing fees--less than $100.
It has to stay open for 3 years even if it is paid in full. If it is closed earlier than that, there is a fee.
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plugginaway22
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Post by plugginaway22 on Oct 6, 2019 9:14:13 GMT -5
Same as the OtherMe regarding fees. As long as it is kept open for 3 years, balance or no balance, there are no fees. When I asked what happens if we sell the house in 2 years they showed me the fees we would need to pay and it was like $500.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 6, 2019 11:41:40 GMT -5
My mortgage is not paid off, but I got the debt consolidated in to a HELOC. The house appraised much higher than I had anticipated so I am not even using 1/3 of the line of credit. That will be my go to if the furnace totally dies, etc.
ETA: I added life insurance to the HELOC will be paid off if I die. I need to consider this kind of thing. I'm not prepared for any emergency that is over $850 right now, I got an estimate on the boiler a few years ago and it was about 5k. Can always put on card, but then you have to pay on that. Advice at that time was wait for it to fail. Which - fine - but what if that happens on a 20 below day? I'd be SOL and likely encur other related damage if we can't get someone in quickly. We do have space heaters, but at 20 below, we are already using those and can't get the house above 60. I am biding my time on a refi/cash out. Looking for spring to start all my work and thinking to do the refi around November/December. Will have a full year into the new job then, and I am looking forward to the frost cuz yard is getting "out there" lol! There have been quite a few firings on my floor, so that is also a concern. I just need to ride things out about 6 more months and I will have everything in place financially to take a hit. Right now, it would be pretty rough! Am thinking with the cash out, if things continue to go well (low interest rates, high property values), I can take 30-50k and maybe put into the market for LT EF, JIC.
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paynointerest
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Post by paynointerest on Oct 6, 2019 11:47:47 GMT -5
HELOC question
I was looking at the HELOC options available by my bank and it looks like the period can range from 1 year to 12 years. The best rates are for the 12 to 60 month range but the rates for 61 to 120 months is 3.125% which I consider very good. For those of you who have a HELOC, how did you decide on the length of the loan period?
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debthaven
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Post by debthaven on Oct 6, 2019 16:22:15 GMT -5
paynointerest you probably need to either tag TheO and Pluggin here, or repost your question on the Decluttering thread (since neither of them posts on this thread much). ETA: Or, post your question on the YM thread that Pluggin started a couple of weeks ago.
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ners
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Post by ners on Oct 7, 2019 17:30:25 GMT -5
Update Race 29226.00 (4/21/2018 $12,161.07 R172) On track to hit goal. Slow but steady progress Rukh O'Rorke and Minnesotagirl7 Thank you for your kind words about race 1. I am just a bit frustrated by lack of progress. The race is a combination of my mortgage and Helco. Neither is interest only.
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nidena
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Post by nidena on Oct 7, 2019 21:57:49 GMT -5
On my bank Accounts page, it lists all my accounts that I've attached that have electronic presence (which is all of them) and that includes my SLs. Well, it turns out, it doesn't show their actual balance, it shows only the outstanding principal balance. Not a super big deal but it is the difference of $160 for my unsub SL. I plan to have them paid off by next summer but it was still a bummer to make that realization today.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 8, 2019 6:15:51 GMT -5
On my bank Accounts page, it lists all my accounts that I've attached that have electronic presence (which is all of them) and that includes my SLs. Well, it turns out, it doesn't show their actual balance, it shows only the outstanding principal balance. Not a super big deal but it is the difference of $160 for my unsub SL. I plan to have them paid off by next summer but it was still a bummer to make that realization today. ouch! owing more than you thought is always a bummer! Do you need to do something to sync up accounts, or will it never show the full total?
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 8, 2019 7:35:12 GMT -5
UPDATE!
Rukh O'Rorke 10/8/2019 $116,716.00 (9/6/2019 $118,859.02)debt | June 1 | June 29 | August 6 | September 6 | October 8 | Difference | . | IRS | - | $6,384.25 | $4,427.14 | $1,925.94 | $ 837.50
| $ 1,088.44 |
| Personal Loan | - | $1880 | $1960 | $1518.15 | $ 1,538.15
| (20.00) | . | CC1 |
| . | - | . | . | . | . | CC2 |
| . | - | . | . | . | . | SL Private | $8,253.95
| $8,229.97
| $8,138.02 | $7,844.81
| $ 7,542.27
| $ 302.54 | . | SL Fed | $110,027.95
| $110,396.31 | $108,319.69 | $107,570.12
| $ 106,798.08
| $ 772.04 | . | Total | - | $126,041.86 | $122,844.85
| $118,859.02
| $ 116,716.00
| $ 2,143.02 | . |
2019 Goals
- October:
Pay at least 500 to IRS, 250 personal loan - November: Pay off IRS
- December: Pay off Personal loan
2020 Goals
- January: Pay off any CC balances (I may be transferring IRS/PL balances onto cc temporarily)
- February:
- March:
- April:
- May:
- June:
- July:
- August:
- September:
- October:
- November:
- December: Pay off Private Student Loan/Be under 6 figures overall
Not as much progress as previous months, but I did direct a bit more money than usual to savings, so there's that. I think I'm in good shape to pay off the IRS by my deadline now, so feel a little bit of pressure is off there. But will be glad when it's a done deal! The student loans are sooooo slow going when I don't direct extra/a lot extra! For the private one, I am signed up for a bit of extra with the regular payment, about 32.50, so that would be under $20 to principal a month if I didn't put any extra there. Madness! Constant Vigilance!!
Meanwhile, sitting on about 4k in checking because my spidey sense says I will "need" it first week of November...I don't think I'll need that much! Sent a little more to the IRS even though the amount is low enough I should be able to cover it with the extra paycheck in November. But - want that gone ASAP and as I am projecting out, there won't be a lot of extra money that month as I need the 3rd paycheck for Dec bills. Made an extra payment just now to the private loan as seeing only 50 off the balance is depressing! I was pleasantly surprised when I logged back in to check on my usual amount extra that the balance was already updated!! So as I hadn't actually posted yet, I've updated my numbers and made it across the 2k paid off the past month. So - much happier now!! Constant Vigilance!!It works
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nidena
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Post by nidena on Oct 8, 2019 9:33:28 GMT -5
On my bank Accounts page, it lists all my accounts that I've attached that have electronic presence (which is all of them) and that includes my SLs. Well, it turns out, it doesn't show their actual balance, it shows only the outstanding principal balance. Not a super big deal but it is the difference of $160 for my unsub SL. I plan to have them paid off by next summer but it was still a bummer to make that realization today. ouch! owing more than you thought is always a bummer! Do you need to do something to sync up accounts, or will it never show the full total? I don't think it will ever show. I just have to remember to go to the Nelnet site to see the true balance. In other news, the guy my realtor suggested I use to do the minor repairs on my house is haggling with me on payment method. I asked if he'd be okay with getting paid when the house sells. He said no. Not an unexpected response. He then suggested going through paypal and I said no because they charge a 2.9% fee. It'd be one thing if it was $500 or less but we're talking a couple thousand $$. Hard "no" to service fees. He then said that they could take my CC but would also charge a 3% fee. I reiterated that I won't pay a fee to pay someone. My thought: If, as a business, you haven't figured out how to include the service fee into the cost of your services, you're not great at business. The total should be $YYYY not $XXXX plus 3%. CC balance transfers are the exception to this because it's a different kind of service and it's known. I'm thisclose to just saying: Well, you can get paid at closing or I don't need your services. I have no problem listing my house as-is.
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livinitup
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Post by livinitup on Oct 8, 2019 10:24:50 GMT -5
UPDATElivinitup 8-October-2019 $39,432.34 (15/9/2015 $66,614.90, C62)
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| 15-Sep-2015 | 1-Aug-2019 | 8-Oct-2019 |
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| Debt
| Interest Rate
| Initial Debt Amount
| Old Debt Amount
| New Debt Amount
| Paid since last update
| Paid to date
| % paid
| Loan 1 | 0% | 1,800.00 | -
| - | - | 1800.00 | 100% | Charge Account
| 0% | 645.50 | - | - | - | 645.00 | 100% | Credit Card
| 0% | 4,196.86 | -
| - | -
| 4,196.86 | 100% | Mom Loan
| 0% | 9,500.00 | - | - | -
| 9,500.00 | 100% | HOA Arrears | 0% | 6,000.00 | - | - | - | 6,000.00
| 100% | House Arrears
| 0% | 2,200.00
| - | - | - | 2,200.00 | 100% | Reno Loan | 6.75% | 25,101.16 | 30,667.48 | 29,103.80 | 1,563.68 | (4,002.64) | -16% | Rental Arrears | 0% | 15,500.00 | 9,000.00 | 9,000.00 | - | 6,500.00 | 42% | MasterCard | 19.25% | 3,471.38 | 1,987.02 | 1,328.54 | 658.48 | 2,142.84 | 62% | | | 66,614.90 | 41,654.50 | 39,432.34 | 2,222.16 | $28,982.56
| 44%
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shanendoah
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Post by shanendoah on Oct 8, 2019 11:02:17 GMT -5
shanendoah: 9/29/2019, $483.64 (5/4/2017, $43,691.23, WIRR151, WIRR160, WIRR164)
Line of Credit | Current Balance | Previous Balance | Starting Balance | Limit | APR | Total Paid | Percentage Paid | All other Cards | $0 | | $38,908.19 | | | | | Citi Diamond 2 | $483.64 | $928.26 | $4,783.04 | $9,600 | 0% until 04/19 (Purchases) 0% until 01/20 (Bal Trans) | $4,299.40 | 90% | Total | $483.64 | $928.26 | $43,691.23 |
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| $43,207.59 | 98.9% |
A bit late on posting this. But, only one more payment to go on this race. And then I am done for a bit. Life has taken a bit of a turn recently and C will not be going back to school. So while I have put some stuff on the new 0% APR card (and am going to put the once/year car insurance payment on it), that's something I am going to have cleared in 3-4 months. So the only other debt at the moment is the mortgage (currently about half of my take home income, so not racing that) and the w/d, which is on 0% financing, set it and forget it payment of $45/month, set to be paid off one month before the financing ends. So I am going to say that once this last payment is made at the end of the month, I am going to be as "debt free" as I am going to be for a long time.
For those who were talking about how they plan/keep track of bills, etc, I also use excel. My "checkbook" is really a cash flow worksheet. At the start of the year, I go in and I put in all my paychecks for the year, as well as all my known monthly bills, so mortgage, the washer dryer payment, annual car insurance (so it doesn't sneak up on me), automatic savings, the known bills that come directly out of my checking account. And then I make notes of when each of my credit cards is due. Everything is color coded. I go in and schedule the credit card payments almost a month out, so it always gives me a good look at where I am today, and where I am going to be in a month, and lets me know if I need to make adjustments somewhere.
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debthaven
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Post by debthaven on Oct 8, 2019 13:02:41 GMT -5
Rukh O'Rorke I think you're doing a fabulous job of keeping on top of everything. I'm sure that once the IRS debt is gone, things will speed up. You're so close shanendoah !
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chicg
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Post by chicg on Oct 8, 2019 14:11:04 GMT -5
UPDATE
UPDATE Chicg [2] -10/8/19, $11,796 (11/7/14, 4217.34 MPT266)
Discover $7,696 ($600 less than last month) Chase $4100 (UGH adding this card back to the race)
Not a good few months. I finally had to say goodbye to my cat Dexter : ( I got 19 years with him though, I can't complain. He was worth every penny to keep him comfortable until the end, but financially (and emotionally) draining and I'm just now coming up for air. I spent over $2500 on him in his last 2 months. I had my Chase card down to under $1K with plan to pay it off leaving just Discover, but the recent vet expenses and other increasing expenses took a toll on my budget that I couldn't cash flow. In an effort to see why I was racking up more cc debt I revised my budget, and found a few ongoing expenses I wasn't taking into consideration (about $150/mo for healthcare since I spent all my FSA funds for the year, a new $67/mo gym membership, etc). Good news...I feel motivated and have a fresh budget. Bad news, I'm barely breaking even each month so traveling is still on hold until I can take care of some of this. I have two balance transfer options that make up my Discover debt, that's all at 0% but Chase isn't. My next payment to Discover will pay off the offer that is expiring soon, leaving the rest at 0% until 4/23/20. Once I'm sure that offer is paid up, I'll transfer the Chase balance to Discover to get that at 0% and everything back on one card. I'm still hoping to have all my cc debt paid off with next year's tax return and bonus in March. Just need to stay disciplined for a few months.
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debthaven
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Post by debthaven on Oct 8, 2019 14:32:09 GMT -5
I'm sorry about your Dexter chicg . 19 years is an AMAZING age for a cat! I don't have cats or dogs, just a bunny. You've spent so much over the years. I'm sure you love your vet but might it be worth either getting pet insurance or looking into finding a cheaper vet? I truly hope you don't mind me asking these questions.
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nikiz628
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Post by nikiz628 on Oct 8, 2019 14:48:58 GMT -5
chicg, I am sorry to hear about sweet Dexter's passing. 19 years was an amazing life!
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TheOtherMe
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Post by TheOtherMe on Oct 8, 2019 15:20:18 GMT -5
chicg So sorry about Dexter. I only hope I get 19 years with Lucy.
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chicg
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Post by chicg on Oct 8, 2019 17:35:03 GMT -5
Hello again, and thanks for the condolences. I got Dexter and his sister Bella (she passed last year) as tiny 6-week old kittens, found in an alley in Chicago. I had such a special bond with both of them, they were fantastic pets. Since it was such an impact on my budget, here's my two cents (more like 200 cents) about what I learned with pet ownership, chronic illness and finances. -Vet care in chicago is expensive. My vet was high but in the same ballpark as other clinics. My mom pays half of what I do in Detroit. -I absolutely recommend pet insurance. By the time I learned of it, my cats were 10 years old and like people, I couldn't get comprehensive policies for a senior pet. I didn't think the higher monthly premium was worth what it would have covered, Dexter's pre-existing dental disease would have been excluded. It may have covered kidney disease tests but 10 years ago people didn't realize this was so common. There are more options now, my friends that have it all say it's paid enough out to be worth the monthly premiums. -Dexter came down with advanced Chronic Kidney Failure 5 years ago. I made the decision not to let cost dictate treatment. I joined several groups and sourced lower cost medical supplies and Rx's but still spent about $15K between both cats over the last 5 years (ballpark): bi-annual senior bloodwork @$500/cat x 2x/yr, 2 dentals at $1K, ultrasound at $800, chronic UTIs on Bella about $2K, kidney bloodwork every 4 months or so (both cats got it, hers wasn't as severe) at $250/cat, persistent ear infection with multiple follow ups $1000, ongoing medications $50/mo/cat, you get the point. I was only 23 when I got them and while I set aside money each month in an earmarked account like financial advice told me, and most years weren't expensive, I had NO CLUE it would get so high. Our cat growing up ate 9 Lives and never got sick, she lived to 21. I also had two cats get old at the same time. If anyone else ever has to deal with kidney disease, please let me know, I can help : ) -Everyone should know pet medications are available at CVS, Walgreens, Chewy.com, Costco, etc. Your vet sends over the Rx just like your Dr. would for you. For one-time issues I'd just get from the vet but I saved thousands by using these pharmacies for ongoing medications. I had to give Dexter daily fluids (with an IV bag) for 5 years, A CASE at Costco was $35 vs about $15-20 PER BAG at the vet. I went through a case every 3 months. -Don't forget to take care of yourself, ever! Dexter was diagnosed not long after my dad passed, and right when my boss died, my world was crumbling and I had 1-2 years where I was so stressed about all that and ignored my own health. Now I have chronic conditions to deal with.
Not to turn anyone off from pet ownership, and I know not all pets have the misfortune of chronic illness, but wow did I ever underestimate the cost of their care. And I did everything right, fed quality foods, annual vet exams, saved in my own pet account, etc. Now I'm a bit freaked out to get another pet, I don't like having an empty home but I definitely am trying to put my head before my heart and get caught up a little bit first.
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chicg
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Post by chicg on Oct 8, 2019 17:41:49 GMT -5
I'm sorry about your Dexter chicg . 19 years is an AMAZING age for a cat! I don't have cats or dogs, just a bunny. You've spent so much over the years. I'm sure you love your vet but might it be worth either getting pet insurance or looking into finding a cheaper vet? I truly hope you don't mind me asking these questions. Thank you, and no, I don't mind at all . You'll see my answer in my huge response but in short, YES to insurance but sadly vet care in chicago is just really expensive.
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ners
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Post by ners on Oct 8, 2019 17:57:27 GMT -5
Sorry for you loss chicg.
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nidena
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Post by nidena on Oct 8, 2019 18:00:08 GMT -5
Hello again, and thanks for the condolences. I got Dexter and his sister Bella (she passed last year) as tiny 6-week old kittens, found in an alley in Chicago. I had such a special bond with both of them, they were fantastic pets. Since it was such an impact on my budget, here's my two cents (more like 200 cents) about what I learned with pet ownership, chronic illness and finances. -Vet care in chicago is expensive. My vet was high but in the same ballpark as other clinics. My mom pays half of what I do in Detroit. -I absolutely recommend pet insurance. By the time I learned of it, my cats were 10 years old and like people, I couldn't get comprehensive policies for a senior pet. I didn't think the higher monthly premium was worth what it would have covered, Dexter's pre-existing dental disease would have been excluded. It may have covered kidney disease tests but 10 years ago people didn't realize this was so common. There are more options now, my friends that have it all say it's paid enough out to be worth the monthly premiums. -Dexter came down with advanced Chronic Kidney Failure 5 years ago. I made the decision not to let cost dictate treatment. I joined several groups and sourced lower cost medical supplies and Rx's but still spent about $15K between both cats over the last 5 years (ballpark): bi-annual senior bloodwork @$500/cat x 2x/yr, 2 dentals at $1K, ultrasound at $800, chronic UTIs on Bella about $2K, kidney bloodwork every 4 months or so (both cats got it, hers wasn't as severe) at $250/cat, persistent ear infection with multiple follow ups $1000, ongoing medications $50/mo/cat, you get the point. I was only 23 when I got them and while I set aside money each month in an earmarked account like financial advice told me, and most years weren't expensive, I had NO CLUE it would get so high. Our cat growing up ate 9 Lives and never got sick, she lived to 21. I also had two cats get old at the same time. If anyone else ever has to deal with kidney disease, please let me know, I can help : ) -Everyone should know pet medications are available at CVS, Walgreens, Chewy.com, Costco, etc. Your vet sends over the Rx just like your Dr. would for you. For one-time issues I'd just get from the vet but I saved thousands by using these pharmacies for ongoing medications. I had to give Dexter daily fluids (with an IV bag) for 5 years, A CASE at Costco was $35 vs about $15-20 PER BAG at the vet. I went through a case every 3 months. -Don't forget to take care of yourself, ever! Dexter was diagnosed not long after my dad passed, and right when my boss died, my world was crumbling and I had 1-2 years where I was so stressed about all that and ignored my own health. Now I have chronic conditions to deal with. Not to turn anyone off from pet ownership, and I know not all pets have the misfortune of chronic illness, but wow did I ever underestimate the cost of their care. And I did everything right, fed quality foods, annual vet exams, saved in my own pet account, etc. Now I'm a bit freaked out to get another pet, I don't like having an empty home but I definitely am trying to put my head before my heart and get caught up a little bit first. Sounds like the story I read in AARP about pet ownership. I put Mocha down in February when she was declining but still "good". I didn't want to subject her to endless vet visits and procedures. I'll be the first to admit that I chose my pocketbook over extending her life.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Oct 9, 2019 8:34:23 GMT -5
UPDATE UPDATE Chicg [2] -10/8/19, $11,796 (11/7/14, 4217.34 MPT266) Discover $7,696 ($600 less than last month) Chase $4100 (UGH adding this card back to the race) Not a good few months. I finally had to say goodbye to my cat Dexter : ( I got 19 years with him though, I can't complain. He was worth every penny to keep him comfortable until the end, but financially (and emotionally) draining and I'm just now coming up for air. I spent over $2500 on him in his last 2 months. I had my Chase card down to under $1K with plan to pay it off leaving just Discover, but the recent vet expenses and other increasing expenses took a toll on my budget that I couldn't cash flow. In an effort to see why I was racking up more cc debt I revised my budget, and found a few ongoing expenses I wasn't taking into consideration (about $150/mo for healthcare since I spent all my FSA funds for the year, a new $67/mo gym membership, etc). Good news...I feel motivated and have a fresh budget. Bad news, I'm barely breaking even each month so traveling is still on hold until I can take care of some of this. I have two balance transfer options that make up my Discover debt, that's all at 0% but Chase isn't. My next payment to Discover will pay off the offer that is expiring soon, leaving the rest at 0% until 4/23/20. Once I'm sure that offer is paid up, I'll transfer the Chase balance to Discover to get that at 0% and everything back on one card. I'm still hoping to have all my cc debt paid off with next year's tax return and bonus in March. Just need to stay disciplined for a few months. condolences So happy you had Dexter so long. I hope that paying these expenses off goes smoothly and quickly.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,580
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Post by nidena on Oct 13, 2019 10:06:35 GMT -5
Yesterday was my last day at the store. The move is this week and today is a day of packing up the rest of the "don't need between now and Wednesday" stuff. Tomorrow, I'll do a test run of packing my car for the Iowa trip to ensure everything fits and that I can see out the mirrors. What doesn't fit will go in the moving truck on Tuesday. I have a bunch of stuff listed on FB Marketplace and I'm hoping it sells so that I get a bit of extra cash. Getting rid of it isn't too much of a problem. Habitat ReStore will take everything except the entertainment center and the single sleep/hideabed. Someone is coming to buy my sleigh bed frame today. Slept on my mattress set on the floor for the first time in 15 years last night.
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sealy
Familiar Member
Joined: Dec 22, 2010 2:49:52 GMT -5
Posts: 956
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Post by sealy on Oct 13, 2019 22:11:03 GMT -5
I have great news my mortgage is finally below $270K, My truck is almost below $20K. My CC was under $10K until the interest kicked in. Now I really need to budget and get a side hustle. I am ready to be finished with this race. I will update soon.
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nikiz628
Well-Known Member
Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,439
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Post by nikiz628 on Oct 14, 2019 12:17:34 GMT -5
I have great news my mortgage is finally below $270K, My truck is almost below $20K. My CC was under $10K until the interest kicked in. Now I really need to budget and get a side hustle. I am ready to be finished with this race. I will update soon.
Way to go!!!
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