forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,395
|
Post by forwardwego on Dec 13, 2019 12:06:53 GMT -5
Minnesotagirl7 Thank you for the smileys and shoutouts!! I appreciate the time and care you contribute to helping us stay organized and motivated. I'm wondering if others racers experience a "let down" feeling after a paydown/update is completed, and then it will be a while before being able to pay down more. I had forgotten about that phenomena. The shoutouts and smileys help to offset that. Thanks Minnesota!
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,558
|
Post by chiver78 on Dec 13, 2019 17:22:40 GMT -5
quick update, still treading water for now. I think my number's not due for another week if I keep to monthly updates. house is on the market, had a showing yesterday that didn't field an offer. oh well. Open House is planned for next weekend (12/15), hoping for a bidding war lol.... my overall balance went up for November as I had to buy a few things for the house - a new exterior door and other things to fix some massive wood rot under the old threshold, for instance - but....BUT! November to December, and there are still some payments left to go out for December, I have already knocked the total down almost $1300. Current plan while waiting to sell the house is to keep spending minimal. I seem to be doing okay with that, my biggest unpredictable expenses right now are the days I end up needing to bring the pups to daycare - $50/day for two of them. thankfully my employer is flexible and I can WFH as needed. that's what I did yesterday, and just took the pups on a long drive to get them out of the house. $50 back in my pocket that way! Also - I will be selling household things I'm not going to need when I no longer have a house. some things are pretty big ticket - like a generator, lawn mower, etc. things are looking up. quoting to compare the final result. and it looks like I'm right on time today, since this race started on the 13th last winter. final result from November to December was only down $700. it is what it is, I guess. still went down, so I'll take it as a win. In other news, I got a balance transfer offer that is going to allow me to increase the effect of my payments. one of my cards has a huge limit (I have never gotten close...) and has historically done periodic sweet offers of low rates for the life of the balance - I opened the card on one of these over 10y back. today's mail had one - 6.99% for life, $0 fee. that is a no-brainer to me. I'm going to move the remainder of the balance on the card that's currently at 23.99% and figure out my next steps from there. there is plenty of space for it without hitting the limit, freeing up a card with a $14k limit for playing shells - I get offers for that one all the time. hell, if I can do this quickly enough, I can move around a few things and free up more space on the super high limit card and put something else on the 6.99% for life - that offer is good til the end of January. I'll take a look at things more in a few days. like I said, that first move is a no-brainer with no BT fee. past that, I should do some math. Open House is Sunday, for a bidding war. lol... chiver78 12/13/19 $131,121.43 (2/13/19 $121,788.98)
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,558
|
Post by chiver78 on Dec 14, 2019 15:51:30 GMT -5
yup, decision made. today's mail had an offer for the card I am wiping out - 0.99% interest til April 2021. done. I'll move the $5k that's left on that, over to the $0 fee transfer offer, then move as much as will fit back from the high limit card (b/c ironically that was my next highest interest rate). once that settles, I can move a full balance from something else over to the high limit for the same 6.99% for the life of the balance. here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand.
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
|
Post by nidena on Dec 14, 2019 23:09:16 GMT -5
yup, decision made. today's mail had an offer for the card I am wiping out - 0.99% interest til April 2021. done. I'll move the $5k that's left on that, over to the $0 fee transfer offer, then move as much as will fit back from the high limit card (b/c ironically that was my next highest interest rate). once that settles, I can move a full balance from something else over to the high limit for the same 6.99% for the life of the balance. here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand. You're gonna save a poop-ton of interest. That's awesome! I can't remember the last time I received any sort of credit card offer in the mail.
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,046
|
Post by Rukh O'Rorke on Dec 15, 2019 10:17:20 GMT -5
yup, decision made. today's mail had an offer for the card I am wiping out - 0.99% interest til April 2021. done. I'll move the $5k that's left on that, over to the $0 fee transfer offer, then move as much as will fit back from the high limit card (b/c ironically that was my next highest interest rate). once that settles, I can move a full balance from something else over to the high limit for the same 6.99% for the life of the balance. here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand. oh - is balance transfer what you call shell game? I was a little confused at first, thought you had a shell gas card or something....was hoping it wasn't a lotto scratch off How is the selling the property going? Is roommate making plans to leave? Hopefully sooner than later! Did you have any other goal for racing prior to the sale? Or waiting for that to see where the dust settles?
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,046
|
Post by Rukh O'Rorke on Dec 15, 2019 10:40:03 GMT -5
Thinking about goals for 2020...My draft goals included plans to pay off the private student loan in 2020 - and that was my primary goal I was most sure of! And that seemed very doable without IRS issues hanging over me. But I've had something of an epiphany regarding my advancing age in the past few months. I just really don't think I can skip out on maxing 401k anymore. Based on where I am right now financially - it doesn't seem viable for me to keep the house in retirement and that is quite a shock to my system. Not that I'm opposed to downsizing - but that it might not be a choice is a bit uncomfortable. I'm in a really good earning bracket right now between day job and RI side income - but I'm not sure how long I want to work this hard! Dayjob has been pretty brutal this past year but I'm hoping it will be a lot less intense in 2020. We will see! Not getting much of a raise either - but at least I'm going to get something (or so I've been led to believe! nothing finalized as yet!). But - I'm not sure how I can pay off that private loan and also save the max for retirement and HSA and also catch up on house maintenance issues! those are getting untenable - I have a few spindles falling off the front porch stair railing......just rotted away and a big wind and poof! fell off. I will do a refi with cash out in 2020 for porch and other projects - but of course that comes with a higher mortgage payment and all. Welp - enough bellyaching! Will need to see where the chips fall in the next couple of months. I am off to spend the day writing up a paper to submit for publication. I want to spend the day at home! Cleaning and decorating! playing christmas music and drinking *vegan* eggnog - with a spike! But I need to get back on track professionally with the publication thingy if I want to be able to change jobs in the future! And it was part of my professional goals that qualify me for the slim raises they are passing around this year..... Meeting an old colleague at a coffee shop and we are going to try to hammer out/finish up one of our old research projects....
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,558
|
Post by chiver78 on Dec 15, 2019 11:34:21 GMT -5
yup, decision made. today's mail had an offer for the card I am wiping out - 0.99% interest til April 2021. done. I'll move the $5k that's left on that, over to the $0 fee transfer offer, then move as much as will fit back from the high limit card (b/c ironically that was my next highest interest rate). once that settles, I can move a full balance from something else over to the high limit for the same 6.99% for the life of the balance. here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand. oh - is balance transfer what you call shell game? I was a little confused at first, thought you had a shell gas card or something....was hoping it wasn't a lotto scratch off How is the selling the property going? Is roommate making plans to leave? Hopefully sooner than later! Did you have any other goal for racing prior to the sale? Or waiting for that to see where the dust settles? ha, yes. someone else used that term a long time ago to refer to my moving balances around to take advantage of BT offers. it is pretty accurate, TBH. as far as goals prior to sale, basically just mininize any further damage, I guess. Open House is right now, actually. 11-1, as my realtor says - to get the post-church crowd. 😉 I'm watching my driveway camera only phone, it looks like there has been some traffic so far. the roommate has a move out date of 1/2, if not earlier if he can get into his new place before then.
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
|
Post by nidena on Dec 15, 2019 15:25:19 GMT -5
I'm having issues with the cleaning crew that cleaned my house in preparation for selling it. They were there for 7 hours on Thursday and 6 on Saturday, two people each time, and each morning after--Friday and today--I had a friend go over and take a look. The first day, I paid the invoice--$280--before my friend texted me back. Mainly because I expected it to be good. It wasn't. The second invoice--for $240--was sent last night and I waited to hear from my friend before paying it. Let's just say: I haven't paid it and don't plan to. If a crew spends 25 manhours cleaning your house, there should be no need to "go back and fix" anything. I don't care how old the house is. After 25 manhours, my house should be sparkly.
|
|
debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,349
|
Post by debthaven on Dec 15, 2019 17:59:16 GMT -5
here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand. chiver78 IMO you should certainly pay off the lion's share of all that debt in order to have more options in the future. You have a LOT of consumer debt, and you won't always have a house to sell. Personally I'd pay off as much as I possibly could, certainly at LEAST 100K of it, if not more. Hopefully you'll be more motivated to save for the DP on your next place than you have been at paying down this debt. I'm sorry if that sounds harsh my friend. But once this house is gone, it's gone. So IMO it's best to get the debt gone too.
As always, wishing you the best Chiver.
|
|
debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,349
|
Post by debthaven on Dec 15, 2019 18:20:55 GMT -5
Based on where I am right now financially - it doesn't seem viable for me to keep the house in retirement and that is quite a shock to my system. Not that I'm opposed to downsizing - but that it might not be a choice is a bit uncomfortable. Rukh O'Rorke it's funny that you mentioned this, because I am in the process of coming to the same conclusion, and I'm closer to retirement than you are. I haven't mentioned it to DH, and I don't plan to for a while. I KNOW DH's reaction would be "Cool! Let's sell this beautiful house with a garden so we can move into a tiny shoebox in central Paris instead!!!" In our case a lot of it has to do with having an old house that has a huge amount of "character" in a suburb with very high property taxes, and which is not energy-efficient.
|
|
seriousthistime
Senior Member
Joined: Dec 22, 2010 20:27:07 GMT -5
Posts: 4,708
|
Post by seriousthistime on Dec 15, 2019 18:24:25 GMT -5
I'm having issues with the cleaning crew that cleaned my house in preparation for selling it. They were there for 7 hours on Thursday and 6 on Saturday, two people each time, and each morning after--Friday and today--I had a friend go over and take a look. The first day, I paid the invoice--$280--before my friend texted me back. Mainly because I expected it to be good. It wasn't. The second invoice--for $240--was sent last night and I waited to hear from my friend before paying it. Let's just say: I haven't paid it and don't plan to. If a crew spends 25 manhours cleaning your house, there should be no need to "go back and fix" anything. I don't care how old the house is. After 25 manhours, my house should be sparkly. Did your friend take pictures of what wasn't cleaned? Is it a cleaning company or just a couple of people who clean houses? I'm concerned you agreed to pay for X number of hours worked, not the result of a "sparkly" house. If it's a cleaning company, I'd ask the friend to go over to the house with the manager and show him or her what hasn't been cleaned. If it's far less than the result of what could be expected for 25 manhours, then the manager should make good on this. If they put in the time and it requires a super deep cleaning or special equipment and it wasn't specified beforehand, they could take you to small claims court or send it to collections. Do you have pics to show the condition of the house before the crew went over? I think you said you replaced the carpet. Is there an area that would require special cleaning services like windows, ovens, moldy tile grout, or steam cleaning discolored linoleum? I stopped using a cleaning service that specialized in the "quick once-over." I can do that on my own, and do it better. When my kids were little I had a solid color linoleum tile floor in the bathroom. One of the kids had scribbled on the floor in pencil. They mopped the floor. When I went in after they left, I saw the scribble still on the floor. I grabbed a paper towel sprayed with some Formula 409 and removed the scribble within seconds. They did the cleaning they agreed to. They mopped the floor. My expectation would be that it would be clean. It wasn't. And I've been flat-out lied to by a cleaner I'd been using for several years. I had an expensive wool rug in my living room and there was a chair (not heavy to move) partially over one corner of the rug. I reminded him repeatedly to vacuum the rug under the chair because moths can eat away at a rug that is kept in the dark and not vacuumed (just like they eat away at the wool sweaters in your closet). I noticed week after week that the chair legs were in exactly in the same spot on the rug pattern. One week I put an index card under the chair. Not surprisingly, it was there when I returned. Seriously did not think the guy would have picked it up, vacuumed, and then replaced the index card. I let him go after that. If your cleaners are going back a third time, maybe have your friend meet them at the house, show them what still needs to be done, and go back to inspect while they are there, before they are paid. Did your realtor recommend the cleaners? If so, I'd have a word with the realtor.
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
|
Post by nidena on Dec 15, 2019 19:06:25 GMT -5
The house is on the East Coast, where I was until the end of October. I'm now in the Midwest. I told my realtor to use the team that he has clean because it seemed easier for coordinating. It's not a cleaning company like Merry Maids or anything. It's a woman and her teammate. My friend sent me a number of pictures of what wasn't cleaned. Now, I will admit, the house wasn't spotless to begin with so the deep clean would need to be pretty deep. The kitchen and dining room floors, and upstairs bathroom had been cleaned by another company during the summer but I wasn't one to dust. But there was brand new carpet in three of the five carpeted rooms so that would have been minimal vacuuming. The downstairs bathroom would need the most attention because it was the litter box room. For me, there's a couple things that gall me about the situation: 1) the realtor, when I spoke to him on Friday, kept telling me that the house looks great compared to what it used to look like. I believe that. It doesn't mean that it doesn't look as good as it could. 2) my friend who checked things over (and, yep, sent me pictures) used to be in the realty business and dealt with numerous cleaning companies so she knows what she's talking about plus she sent me before (after they were done) and after (after she had wiped/scrubbed for a minute or two) pictures of the things they missed and there's just too many instances and 3) don't tell me the job is done when it's not (they didn't even touch the oven AT ALL--it still had all the little cookie crumbs from my dozens and dozens of cookies baked over the past decade). They're trying to tell me that they deserve to be paid because they spent all that time over there. I don't disagree but it won't be me paying them when the job wasn't done well. I don't care if it's "cleaner" than when they started. It's not "clean" to a level that I would think a buyer would expect to see when they look at a house. The over, all by itself, would have people walking out first thing. I asked another realtor acquaintance to go over to the house and give me her "no shit" assessment of the cleanliness and condition, keeping in mind that I've paid for all the repairs that I can afford and that the cleaning team spent two days cleaning the house.
Edited to add: I told my realtor to not list the house. There is too much to resolve right now.
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,558
|
Post by chiver78 on Dec 16, 2019 9:15:08 GMT -5
here's hoping I won't need to get too deep in the shell game, but these few moves will remove a 23.99, 19.99, and 15.99% interest rates from my list. that "life of the balance" is gold, and I'll just pay that down slowly even when I have house sale proceeds that could pay it off - in the interest of keeping more cash on hand. chiver78 IMO you should certainly pay off the lion's share of all that debt in order to have more options in the future. You have a LOT of consumer debt, and you won't always have a house to sell. Personally I'd pay off as much as I possibly could, certainly at LEAST 100K of it, if not more. Hopefully you'll be more motivated to save for the DP on your next place than you have been at paying down this debt. I'm sorry if that sounds harsh my friend. But once this house is gone, it's gone. So IMO it's best to get the debt gone too.
As always, wishing you the best Chiver. I think you misunderstand me. I will be paying everything off, just not all in one shot. consider that I do not have a safety net other than my 401k at the moment. sale proceeds allow me to stash some cash for a safety net, pay off the most obnoxious remaining interest rates first, and then tackle the rest aggressively. with my salary, I should be able to do this pretty quickly once I am at a point where my payments are doing more than just paying the interest.
|
|
swordguy
Established Member
Joined: Dec 26, 2010 18:07:07 GMT -5
Posts: 446
|
Post by swordguy on Dec 16, 2019 10:54:31 GMT -5
Races #2 and #3 12/09/2019
Not a lot of progress this month. Won't be able to start hammering at it for another month or two.
Race # | Description | Update Date | Current Amt | Race Start Date | Race Start Amt | 1st Page # | Change | Notes | 2 | HELOC | 12/09/2019 | $ 14,700 | 11/20/2019 | $ 15,000 | WIRR209 | - 300 | Funding Renovations on Houses #6 and #7 | 3 | Mortgage | 12/09/2019 | $143,997 | 11/20/2019 | $145,890 | WIRR209 | - 1008 | Mortgage for House #1 |
SwordGuy (2) 12/09/2019 $14,700 (11/20/19 $15,000 WIRR209)SwordGuy (3) 12/09/2019 $143,997 (11/20/19 $145,890 WIRR209) "Not a lot of progress this month." Those are words I like to eat crow over! Farm income check came in Saturday and it was over 3 times what I was expecting. (I was being pretty pessimistic, it was still almost twice what I considered the likely best case.) Credit card debt is gone a month early, which means the RMDs (Required Minimum Distributions) from our IRAs and 401Ks can go straight to the HELOC next month.
|
|
debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,349
|
Post by debthaven on Dec 16, 2019 11:15:02 GMT -5
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,558
|
Post by chiver78 on Dec 16, 2019 17:15:02 GMT -5
all good
|
|
nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,582
|
Post by nidena on Dec 16, 2019 19:15:55 GMT -5
The cleaning team lead sent me a text, threatening me with legal action.
|
|
nikiz628
Well-Known Member
Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,447
Mini-Profile Background: {"image":"","color":"4ee2dd"}
|
Post by nikiz628 on Dec 16, 2019 20:12:11 GMT -5
The cleaning team lead sent me a text, threatening me with legal action. Oh, fun!
|
|
ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,491
|
Post by ners on Dec 16, 2019 22:05:25 GMT -5
Update Race 1
70,911.37 (1/3/2011 $97,382.42 MPT5)
263.20 paid off this month
Only hit 94% of my goal for the year.
My goals for 2020 will remain the same 3750.00 with a stretch goal of 4250.00
|
|
forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,395
|
Post by forwardwego on Dec 17, 2019 6:22:37 GMT -5
UPDATE Forwardwego 12/17/2019 $35,998 (11/3/2019 $38,648. C208) Feeling good about squeaking in under $36K. And also so very glad to be here. Racing off debt is freeing but also can be a painful process. Clearly better for me to do this among like minded peers. Happy Tuesday Racers
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,046
|
Post by Rukh O'Rorke on Dec 17, 2019 10:01:19 GMT -5
UPDATE Forwardwego 12/17/2019 $35,998 (11/3/2019 $38,648. C208) Feeling good about squeaking in under $36K. And also so very glad to be here. Racing off debt is freeing but also can be a painful process. Clearly better for me to do this among like minded peers. Happy Tuesday Racers yay for under 36! It is soooo true about the community. Sometimes though, I feel overwhelmed - like I am constantly thinking about money, worrying about money....making more, saving more, spending less, paying down debt.... But if you look away - you could get in trouble!!
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,046
|
Post by Rukh O'Rorke on Dec 17, 2019 10:17:34 GMT -5
Thinking about goals for 2020...My draft goals included plans to pay off the private student loan in 2020 - and that was my primary goal I was most sure of! And that seemed very doable without IRS issues hanging over me. But I've had something of an epiphany regarding my advancing age in the past few months. I just really don't think I can skip out on maxing 401k anymore. Based on where I am right now financially - it doesn't seem viable for me to keep the house in retirement and that is quite a shock to my system. Not that I'm opposed to downsizing - but that it might not be a choice is a bit uncomfortable. I'm in a really good earning bracket right now between day job and RI side income - but I'm not sure how long I want to work this hard! Dayjob has been pretty brutal this past year but I'm hoping it will be a lot less intense in 2020. We will see! Not getting much of a raise either - but at least I'm going to get something (or so I've been led to believe! nothing finalized as yet!). But - I'm not sure how I can pay off that private loan and also save the max for retirement and HSA and also catch up on house maintenance issues! those are getting untenable - I have a few spindles falling off the front porch stair railing......just rotted away and a big wind and poof! fell off. I will do a refi with cash out in 2020 for porch and other projects - but of course that comes with a higher mortgage payment and all. Welp - enough bellyaching! Will need to see where the chips fall in the next couple of months. I am off to spend the day writing up a paper to submit for publication. I want to spend the day at home! Cleaning and decorating! playing christmas music and drinking *vegan* eggnog - with a spike! But I need to get back on track professionally with the publication thingy if I want to be able to change jobs in the future! And it was part of my professional goals that qualify me for the slim raises they are passing around this year..... Meeting an old colleague at a coffee shop and we are going to try to hammer out/finish up one of our old research projects.... Welp - I wanted to circle back with you all on this. Good intentions mean nothing! Spent the day trying to be productive with the academic stuff, but the cafe was uncomfy, too busy/loud, and coauthor wasn't able to spend much time on the writing project. We just did an outline of next steps and who's doing it. Then worked on other stuff independently. I tried working on a separate article of mine, but can't say that resulted in a lot of tangible results. Bitterly disappointed that I didn't prioritize the home front given so little accomplished. Sometimes I think if I sacrifice what I want to do, do what I *think* I should it will be worth it. But it doesn't mean that at all. It doesn't mean it will work out or get done or be worth it in any appreciable way. It just means I spent my time there. The outcome Sunday was a little out of my control, and now we've bounced completion of this for next year. A friend recently told me that all her work was "out of the hopper" - meaning she'd sent all her research off to journals. I was so impressed, I'm trying to emulate her. Somehow I keep starting new project for the continuous conference submissions, and now I have about 10-15 projects "in the hopper". I've lost count! I used to have a list of projects, next steps, prospective journals, etc. But I can't keep track anymore, lol! I've IDed 3 to work on, to get out of the hopper post haste! - but I have a couple of accepted submission for 2020 conference that now need to get completed. And then, you know, work and home and TI side projects.... I need the world to stop for 1 day a week while I work on catch up!!! ETA: and I don't know if I even have time career-wise anymore to make a mark and benefit from it!!! I've had getting published as a top goal for about 5-6 years now....and I haven't sent out one single thing! I have one thing I am going to send out this week for sure! Have an email out to my advisor with some questions about submitting protocols and then one more read through and I will do it.....
|
|
snapdragon
Senior Member
Joined: Dec 20, 2010 14:56:55 GMT -5
Posts: 2,829
Mini-Profile Background: {"image":"","color":"e1f6f8"}
Mini-Profile Name Color: cd78d4
|
Post by snapdragon on Dec 17, 2019 11:16:47 GMT -5
Thinking about goals for 2020...Welp - enough bellyaching! Will need to see where the chips fall in the next couple of months. I am off to spend the day writing up a paper to submit for publication. I want to spend the day at home! Cleaning and decorating! playing christmas music and drinking *vegan* eggnog - with a spike! But I need to get back on track professionally with the publication thingy if I want to be able to change jobs in the future! And it was part of my professional goals that qualify me for the slim raises they are passing around this year..... Meeting an old colleague at a coffee shop and we are going to try to hammer out/finish up one of our old research projects.... Welp - I wanted to circle back with you all on this. Good intentions mean nothing! Spent the day trying to be productive with the academic stuff, but the cafe was uncomfy, too busy/loud, and coauthor wasn't able to spend much time on the writing project. We just did an outline of next steps and who's doing it. Then worked on other stuff independently. I tried working on a separate article of mine, but can't say that resulted in a lot of tangible results. Bitterly disappointed that I didn't prioritize the home front given so little accomplished. Sometimes I think if I sacrifice what I want to do, do what I *think* I should it will be worth it. But it doesn't mean that at all. It doesn't mean it will work out or get done or be worth it in any appreciable way. It just means I spent my time there. The outcome Sunday was a little out of my control, and now we've bounced completion of this for next year. A friend recently told me that all her work was "out of the hopper" - meaning she'd sent all her research off to journals. I was so impressed, I'm trying to emulate her. Somehow I keep starting new project for the continuous conference submissions, and now I have about 10-15 projects "in the hopper". I've lost count! I used to have a list of projects, next steps, prospective journals, etc. But I can't keep track anymore, lol! I've IDed 3 to work on, to get out of the hopper post haste! - but I have a couple of accepted submission for 2020 conference that now need to get completed. And then, you know, work and home and TI side projects.... I need the world to stop for 1 day a week while I work on catch up!!! ETA: and I don't know if I even have time career-wise anymore to make a mark and benefit from it!!! I've had getting published as a top goal for about 5-6 years now....and I haven't sent out one single thing! I have one thing I am going to send out this week for sure! Have an email out to my advisor with some questions about submitting protocols and then one more read through and I will do it..... Well if you finish 1 of the 3 you will be in a better frame of mind. On the 2020 conference could you use another of the 3 papers to knock both things out? Would that give you another buzz of being productive. I believe that you are going to need to either put several on the back burner or just write them down until you actually have time to work on them... You needed to go and work on the paper, meeting was fine but staying at the coffee shop was not productive. Next time could you just meet for a half hour share your thoughts/systems and than head home where you can alternate working on a paper for a hour and than doing a chore? Would that be more productive for you Rukh? Or possibility a library would be easier/quieter for you to work at.
|
|
debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,349
|
Post by debthaven on Dec 17, 2019 16:57:27 GMT -5
now I have about 10-15 projects "in the hopper"Rukh as you know (I think) I help 2 professors with their submissions/academic writing/PhD thesis (for one). 10-15 projects is WAY WAY WAY too many!!! They generally work on 2-3 PER YEAR!!! And they are FT professors, ie they do NOT work 40h/week outside of the university and their research. They teach, but except for 1 or 2 weeks per semester, just several hours per week.
IMO you need to scale WAY back! Frankly, your academic goals aren't realistic my friend.
|
|
Rukh O'Rorke
Senior Associate
Joined: Jul 4, 2016 13:31:15 GMT -5
Posts: 10,046
|
Post by Rukh O'Rorke on Dec 17, 2019 21:49:10 GMT -5
now I have about 10-15 projects "in the hopper"Rukh as you know (I think) I help 2 professors with their submissions/academic writing/PhD thesis (for one). 10-15 projects is WAY WAY WAY too many!!! They generally work on 2-3 PER YEAR!!! And they are FT professors, ie they do NOT work 40h/week outside of the university and their research. They teach, but except for 1 or 2 weeks per semester, just several hours per week.
IMO you need to scale WAY back! Frankly, your academic goals aren't realistic my friend. I know it! I need to list and triage - pick the best ones - some may be well be tossed. And resist the urge to start up any more for these conference presentations!
|
|
byedebtbye
New Member
Joined: Sept 23, 2018 13:27:31 GMT -5
Posts: 34
|
Post by byedebtbye on Dec 17, 2019 22:23:51 GMT -5
UPDATE ByeDebtBye: 12/17/19 $26,554.85 (09/28/18, $33,407.11, WIRR180)
I was able to make a dent over the past week with my mid-month paycheck. Down $952.73 since my last post.
|
|
nikiz628
Well-Known Member
Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,447
Mini-Profile Background: {"image":"","color":"4ee2dd"}
|
Post by nikiz628 on Dec 17, 2019 22:55:48 GMT -5
UPDATE 12/17/2019 RACE #4Race #4 | Interest Rate | Starting Balance | Last Update | This Update | Difference | Truck Loan | 4.8% | $24,945.53
| $24,084.80
| $23,826.33 | -$258.47 |
NikiZ628(4) 12/17/2019 $23,836.33 (6/26/19 $25,195 WIRR197)
Total Paid in 2019: $1,368.67 Total Amount Paid Off: $1,368.67
|
|
TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
|
Post by TheHaitian on Dec 19, 2019 3:33:36 GMT -5
Shoutouts! TheHaitian - You updated a few times and things were going well. There’s no time like the present to jump back on the horse. Don’t wait until 2020, do it now! You'll be glad you did. There's a lot of power in taking back control. Oh Lord... ok I will be posting. Spent the past 4 hours gathering my finances and putting it together (yep that is how long I ignored them)… and it is not pretty!
|
|
TheHaitian
Senior Associate
Joined: Jul 27, 2014 19:39:10 GMT -5
Posts: 10,144
|
Post by TheHaitian on Dec 19, 2019 4:20:28 GMT -5
I am back and while I was gone the debt ballooned to 90K... Simply put I took my eyes off the ball and it ballooned quicker than I could say SUCKER. I was in a car accident in July and kinda backed off things because I was dealing with healing from that (physical therapy), work stress, at home stress... After the accident I refinanced the previous debt into 2 personal loan (35k and 25k respectively) that is to be repaid in 5 years; they are listed below. I figure that would simplified my life and that was the plan... yet from July to now I have managed to increase it by 30K. To top it off last week my car was Tboned … and the icing on the cake : It was a HIT and RUN AGAIN!!! So here we go! This is the most debt I've ever had and ready for it to be gone yesterday. It seems my finances like my diet needs constant monitoring... if I take my eyes off the balls everything goes to hell in a instant (same way I gained +150 lbs before I knew what was happening). Will try my best to post often because I need the accountability to keep this going! cawiau 12/19/19 $90,718.63
Account | Beginning
| Current | Difference | Capital One | $5,571.27 |
|
| Personal Loan I | $30,967.38 |
|
| Personal Loan II | $23,526.24 |
|
| Discover Card I | $19,906.08 |
|
| Discover Card II | $7,800.00
|
|
| Citicard | $1,122.95 |
|
| TD | $1,824.71 |
|
| Total | $90,718.63 | | |
|
|
ners
Junior Associate
Joined: Dec 23, 2010 16:21:18 GMT -5
Posts: 6,491
|
Post by ners on Dec 19, 2019 7:04:36 GMT -5
TheHaitian Sorry about the car issues. I know you can get back on track.
|
|