Women in Red Racers - South Region

[paynointerest]

Update!  Pay-no-Interest

April 28, 2013.  $101,600.00 (05/07  $369,884.00)

I've paid off 46% of my mortgage now.  Slowly but surely DH and I will hit the 50% mark.  Next month will be my 6 year WIRR anniversary and I think I'll try to come up with $1,601 so I can graduate from the 100K club.

It looks like everyone is making steady progress on their debt pay offs!  Nice job!

Red RAcer Ris:  Congratulations on getting under $100K!  I hope to join you soon.

My life has been a little crazy but good.

1.  The 10 year accreditation visit for my program is done and went well.  I have a few items I have to address that I know about.  I'll get the complete report at the beginning of June that will tell me everything I have to address.  The site reviewers indicated they thought it would take me one day to address everything which is great.

2.  My husband is quitting his current job and taking a teaching position at the university I am at.  It means a $16K pay cut for him but his hours will be more flexible and we both expect he'll enjoy the work more. AND, he was able to get some contract work in another division of the company he is working with and so he thinks he'll be able to earn about 8K-10K from that work.  If it works out that way his pay cut won't be as bad.  As long as he is more relaxed I'll be happier.  Plus it means his schedule will be aligned with mine and so their should be more opportunities for big vacations together.

3.  I have to push through 3 more literature reviews and give one final exam and I'll be able to wrap up this semester.  I'm teaching a 4 week summer session and will earn $5K gross.  I tend to use that money as fun money for myself.  I haven't figured out what I want to do with it -- right now I think a portion of it will go towards a gym membership so I can get stronger.  Hitting 40 years old it seems like my muscles are going to mush.

I've been putting in 16-18 hour days at work for the past month.  I'm definitely looking forward to some relaxation.

Pay-No-Interest

[bankergurl]

$100K List Updated as of 4/28/13! $6127.08 paid off in the last 2 weeks! Great job ladies and gents!
- Congratulations to Red Racer Ris from the South for graduating from the $100K List! We are so proud of you!!
- Congrats to movinonup from the Northeast for paying off over $5K!
- One Leapfrog, Banker Gurl from the Midwest!
www.notmsnmoney.proboards.com/thread/11187/page/4/100k-club#

[blackcard]

My last post was back in Nov 2012.  Still owed about $8,000.00 on our mortgage.
**Update - mortgage now fully paid as of 1 April 2013   

Time for me to move on to the "savers boards" I guess.
Never could have done this without DH
(never even thought about living debt-free before meeting him)

Well wishes to everyone and stay focused on your financial goals.
All the best, Blackcard

[Deleted]

 Congratulations blackcard! What an exciting win - because when you kick your mortgage to the curb, debtfree really does mean debtfree.  What are you doing to celebrate?

(please say mortgage burning party please say mortgage burning party)

[CarolinaKat]

Apr 29, 2013 22:30:55 GMT -5 blackcard said:

My last post was back in Nov 2012.  Still owed about $8,000.00 on our mortgage.
**Update - mortgage now fully paid as of 1 April 2013   

Time for me to move on to the "savers boards" I guess.
Never could have done this without DH
(never even thought about living debt-free before meeting him)

Well wishes to everyone and stay focused on your financial goals.
All the best, Blackcard

YAY!!!! Don't forget us! Come by all the time

[bramoney]

Congratulations! Blackcard, job well done! You rocked it!

[3jsmom31]

Way to go, blackcard!

[Rocky Mtn Saver]

, Blackcard!! 

[forwardwego]

Congratulations  Blackcard
Musical tribute to the tune of "Black is Black" by Los Bravos:  


Blackcard's back...
No mortgage on her back

It's great, It's great...
No more debt to pay whoa-oh

WIRR honoree
'Cause she-e-e-e-ee
she's feelin' free
Yes she-e-e-e-ee
she's debt free

[deepintx]

Hi Everyone! I am ready to start a new race. I need the accountability of this board. I am really struggling to keep the cc paid off each month. Plus we still haven't paid off our HVAC loan and I really want to see that gone. I can't get my table to paste right. Did something change? Any tips on getting it to post correctly?

Congrats Blackcard!

Love the song forwardwego!

[deepintx]

** NEW RACE ** deepintx(2): 5/3/13 $9,669.94 (5/3/2013 $12,369.94 PB156)

I hope I did that right.  I will try to figure out the table another time.  In the meantime here are my totals.  I just made payments to my cc and Home Depot loan (HVAC) so I thought I might as well get credit for it.

Have a great weekend!

[jdnstl]

UPDATE

Apr 1 13          May 1 13
CC1 – 0.00       0.00
CC2 – 1250.00  1200.00
CC3 – 0.00        0.00
CC4 – Closed
CC5 – 0.00        0.00
CC6 – 4550.00   4450.00
CC7 – 0.00        0.00
Auto1 – 0.00      0.00
Auto2 – 700.00   497.00
TOTAL- 6,500.00  6,147.00 Difference of $353.00

EF/Savings – $1,161.46   $1,161.46    Difference of $0.00
jdnstl: 5/1/13 $6,147.00 (1/9/08 $40,366.26 S34)
Total ptd - $34,219.26
Percent ptd – 84.8%
 
No killer update for May. Still waiting for some final pieces to come together. In God’s time.

[jdnstl]

GOAL UPDATES
New GOAL for 2013: $5 Million dollars.  The date to meet this goal is 6/30/13 (end of the 2nd quarter) and we have $340,505.17 left to payoff!

SOUTH ACTIVE MEMBERS
Bolded lines mean members are in danger of going inactive.

Updated: 5/4/2013 through page 156

= $100,    = $500,    = $1,000,    = $5,000,    = $10,000,    = $25,000,   = $75,000,    = $100,000,    = $200,000,    = Location Needed

3jsmom31(2): 4/1/2013 $49,330.07 (10/3/2012 $67975.18 PB142, PB154)
atxracer: 3/14/2013 $44,524.28 (9/26/2012 $47837.57 PB141)
Bra Money: 4/10/2013 $10,225.00 (7/20/2007 $33441 N321)
CarolinaKat: 4/5/2013 $7,542.00 (3/5/2010 $26019 SU189)
classof2015: 4/18/2013 $10,703 (2/11/2013 $15138 PB151)
CraftySarah (2): 4/23/2013 $51,773.33 (2/26/2011 $77970.68 SU126, SPT25)
DebtFreeRedux: 4/1/2013 $216,958.05 (1/30/2012 $282500.50 SPT114, SPT121)
deepintx(2): 5/3/2013 $9,969.94 (5/3/2013 $12369.94 PB156)
dimplesnlj: 3/26/2013 $32,970.00 (1/2/2010 $46431 SU21/SU26)
Ffflex: 3/6/2013 $8,680.00 (6/29/2010 $27320 SU352/SU372/STP26)
forwardwego (2): 4/12/2013 $18,200.00 (6/19/2011 $36780 SPT64, PB154)
goalofzero: 4/16/2013 $14,058.68 (3/14/2011 $28150.97 S78/S93/S349/STP31)
jdnstl: 5/1/2013 $6,147.00 (1/9/2008 $48042.26 S34)
muffy in the red: 4/15/2013 $80,694.61 (9/9/2008 $128662.37 S373/S385/SU395/SPT77, SPT81, PB86, PB92, PB150)
nasagreen: 4/17/2013 $85,181.00 (7/20/2007 $144371.69 N312/S108/S180)
Nckls4603: 4/22/2013 $10,472.43 (1/4/2010 $11089.47 SU25)
Pay-No-Interest: 4/28/2013 $101,600.00 (5/16/2007 $369884 N23/S25/SU359)
Red Racer Ris: 4/26/2013 $99,605.00 (3/20/2010 $134409 Su220)
Red Ruby: 4/15/2013 $80,253.44 (1/20/2009 $163,872.74 S561, SU434)
Trojen3: 4/7/2013 $82,403.22 (8/24/2012 $99479.89 138)

Shoutouts:
Nckls4603 - Welcome back!! Sometimes we need a little support to get going the right direction. We are so glad you returned & are here for you.
classof2015 - Great update! It may seem slow going but look at your update - you paid off $4400 in a little over 2 months, which is about $2k/month & that is nothing to sneeze at.
CraftySarah - Nice update.
CarolinaKat - Sorry that you did not get the job.
RedRacerRis - YEAH! for breaking the 100k barrier!
paynointerest - Good update for you. You are on the edge of breaking 100k.
blackcard - Congratulations of a win! Doesn't it feel great being debt free?
forwardwego - Great song for blackcard! Love it!
deepintx(2) - Welcome back to you too! Since you have won your race before I know you'll zip through this one.

[ffflex]

Good Evening Ladies

UPDATE Ffflex: 5/5/2013 $8,448.00 (6/29/2010 $27320 SU352/SU372/STP26)

Thank you jdnstl for the update and reminder

Congratulations Blackcard

Welcome back deepintx

Rest Well ladies and keep up the good work

[CarolinaKat]

UPDATE	3/5/2010	4/5/2013	5/5/2013	% Paid
CC	552	0	0	100%
Car	11515	0	0	100%
SL #1	4812	2689	2614	46%
SL #2	4570	2427	2348	49%
SL #3	4570	2427	2348	49%
Total	26,019	7,542	7,311	72%
CarolinaKat 5/5/13 $7,311 (3/5/10 $26,019 SU189)

[trojen3]

UPDATE: Trojen3: 5/7/13: $73,797.77 (8/24/12: $99,479.89)


Name of Debt          Current Debt     Starting Debt     Total Paid     % Paid Off
Car Loan                  $0                  $2,201.08         $2,201.08      100%
SL #1 - Sallie Mae     $0                  $1,491.42         $1,491.42      100%
SL#2 - Grad PLUS     $43,310.53       $46,338.33       $3027.80       6.53%
SL#3 - Grad PLUS     $26,498.64       $28,852.49       $2,353.85      8.16%
SL#4 - Private          $3,988.60        $20,596.57       $16,607.97     80.63%
TOTAL                        $73,797.77       $99,479.89       $25,682.12     25.82%

[deepintx]

Hi ffflex! How is married life treating you?

Sorry to hear about the job losses CarolinaKat and jdnstl. I hope you find something even better soon!

Wow, trojen3, you are doing amazing!!!

[ffflex]

Hey deepintx, married life is mighty fine , thanks for asking. The day of the wedding was rainy so we were undercover instead of on the beach and inside for the reception instead of the luau, and the cake topper got misplaced. There were a few tears over the snags, but every plan B worked out fine. Whitney walking down the aisle to me was a dream come true. Heck I even love my new mother-in-law. I hope you are well in Texas and that you'll have your debt wiped out PDQ.

Hang in there Carolinakat, jdnstl, and speechchick 

Good update trojen3, redracerris and paynointerest

[forwardwego]

Good morning WIRRs

UPDATE forwardwego  5/10/2013 $16,400.00 (6/19/2011 $36780 SPT64, PB154)

Have a nice Friday all

[dimplesnlj]

ATTN CAPTAINS:

Please check the date of my last update that y'all have listed.  I'm thinking that it was just a typo. I know that I made the update on 4/26, but the "official" update has the update listed as 3/26.  Thanks so much, and Happy Mother's Day to all the mothers.

[nasagreen]

oh dimplesnj - you always get messed up when we do our updates!  i'm so sorry!!!  we'll get it fixed if it wasn't a typo

I looked and didn't see your post on 4/26...what page is it on?

[dimplesnlj]

nasagreen:  I couldn't find it either LOL.  Well, no problemo. 

Here's my update:  DIMPLESNLJ UPDATE $32,270 (1/2/2010 $46,431).  Balance decreased by $700. Will update again after I get paid on the 25th.  Thanks

[speechchick71]

UPDATE:   5/12/2013    speechchick71 $14,014 (1/6/2013 $14,380 PB149 FL)

Loan	3-Mar	12-May	Difference
SCSFCU (8.9%)	$9,177.00	$10,010.00	$833.00
Chase (0%)	$1,620.00	$1,445.00	-$175.00
Tire Kingdom (0%)	$730.00	$340.00	-$390.00
GE (0%)	$2,594.00	$2,219.00	-$375.00
Savings	$195.00	$195.00	$0.00
	-	-	-
Total debt	$14,121.00	$14,014.00
amt pd		-$107.00
	-		-
Starting balance		$14,380.00
amt pd from start		$366.00
percentage from start		2.55%

[speechchick71]

GOAL UPDATES
New GOAL for 2013: $5 Million dollars.  The date to meet this goal is 6/30/13 (end of the 2nd quarter) and we have $340,505.17 left to payoff!

SOUTH ACTIVE MEMBERS
Bolded lines mean members are in danger of going inactive.

Updated: 5/12/2013 through page 156

= $100,    = $500,    = $1,000,    = $5,000,    = $10,000,    = $25,000,   = $75,000,    = $100,000,    = $200,000,    = Location Needed

3jsmom31(2): 4/1/2013 $49,330.07 (10/3/2012 $67975.18 PB142, PB154)
atxracer: 3/14/2013 $44,524.28 (9/26/2012 $47837.57 PB141)
Bra Money: 4/10/2013 $10,225.00 (7/20/2007 $33441 N321)
CarolinaKat: 5/7/2013 $7,311.00 (3/5/2010 $26019 SU189)
classof2015: 4/18/2013 $10,703 (2/11/2013 $15138 PB151)
CraftySarah (2): 4/23/2013 $51,773.33 (2/26/2011 $77970.68 SU126, SPT25)
DebtFreeRedux: 4/1/2013 $216,958.05 (1/30/2012 $282500.50 SPT114, SPT121)
deepintx(2): 5/3/2013 $9,969.94 (5/3/2013 $12369.94 PB156)
dimplesnlj: 5/10/2013 $32,270.00 (1/2/2010 $46431 SU21/SU26)
Ffflex: 5/5/2013 $8,448.00 (6/29/2010 $27320 SU352/SU372/STP26)
forwardwego (2): 5/10/2013 $16,400.00 (6/19/2011 $36780 SPT64, PB154)
goalofzero: 4/16/2013 $14,058.68 (3/14/2011 $28150.97 S78/S93/S349/STP31)
jdnstl: 5/1/2013 $6,147.00 (1/9/2008 $48042.26 S34)
muffy in the red: 4/15/2013 $80,694.61 (9/9/2008 $128662.37 S373/S385/SU395/SPT77, SPT81, PB86, PB92, PB150)
nasagreen: 4/17/2013 $85,181.00 (7/20/2007 $144371.69 N312/S108/S180)
Nckls4603: 4/22/2013 $10,472.43 (1/4/2010 $11089.47 SU25)
Pay-No-Interest: 4/28/2013 $101,600.00 (5/16/2007 $369884 N23/S25/SU359)
Red Racer Ris: 4/26/2013 $99,605.00 (3/20/2010 $134409 Su220)
Red Ruby: 4/15/2013 $80,253.44 (1/20/2009 $163,872.74 S561, SU434)
Speechchick71(3):  5/12/2013    speechchick71 $14,014 (1/6/2013 $14,380 PB149 FL)
Trojen3: 5/7/2013 $73,797.77 (8/24/2012 $99479.89 138)

Shoutouts:
Blackcard:  Just saw your win!  Congratulations
Ffflex:  good to see you back and glad to hear the marriage is going well.  I've never heard of a wedding going off without a hitch; it just makes for good stories
CarolinaKat:  the numbers keep going in the right direction.  I hope the job search is showing promise.
Trojen:  You've already paid off over 25% in less than a year.  That's no small change...literally and figuratively!
Forwardwego:  great song for Blackcard; I'm still humming it in my head.  You never cease to amaze.  And your numbers are looking good too!
dimplesnlj:  glad we got your update in.  You keep plugging along in the "less negative" direction!


I found my name and even added me back in.  I didn't realize I dropped off the list.  Doing these updates is really amazing, seeing the numbers and realizing it's THOUSANDS of dollars.  Keep up the good work everyone!

[goalofzero]

** UPDATE ** goalofzero: 05/12/13 $13,870.80 (3/14/2011 $28,150.97 STP31)

	3/14/11	4/14/13	5/14/13
AE	$171.60	$0.00	$0.00
Amazon	$375.90	$0.00	$0.00
Belk	$702.59	$0.00	$0.00
BOA	$3,892.21	$3,603.16	$3,584.52
Capital One	$596.30	$1,739.26	$1,724.78
Children's Place	$290.22	$0.00	$0.00
Discover	$2,057.26	$3,394.61	$3,368.37
Gap	$466.59	$0.00	$0.00
HSBC	$528.29	$0.00	$0.00
JC Penney	$266.09	$0.00	$0.00
Pampered Chef	$305.49	$0.00	$0.00
Paypal	$697.88	$0.00	$0.00
VS	$176.61	$0.00	$0.00
Loan#1	$11,583.42	$5,321.65	$5,193.13
Loan#2	$3,500.00	$0.00	$0.00
MedicalBill#1	$250.00	$0.00	$0.00
MedicalBill#2	$743.13	$0.00	$0.00
MedicalBill#3	$1,547.39	$0.00	$0.00
Balance Total	$28,150.97	$14,058.68	$13,870.80
Difference/month			$187.88
Difference Total			$14,280.17
EF	$0.00	$2,906.33	$0.00

       
I know it looks like I don't pay much but I do have other debt I'm not racing. I actually paid $506.98 on a CC paying it off this month. I hope to have Capital One gone with tax refund soon.

Keep up the good racing everyone!!

[speechchick71]

goalofzero: I know what you mean about other debts that are not being raced: I pay off my AmEx in full every month.  All of my expenses go on that card so it is often $1k or greater.  Keep up the good work though.  You had a lot of things you were racing and they have a nice fancy "zero" next to them!  You also knocked that loan in half....nothing to be ashamed of! 

[3jsmom31]

Hi everyone ...  I want to get opinions.....

"If you had a small windfall, would you apply it to a mortgage debt?"  

I know the older train of thought was to invest rather than prepay a mortgage, but things seem different nowadays, and in a way, our mortgage was an investment.....  Happy Monday!!!  Oh, we got chicks out of our little incubator!  They are very adorable, and I had to make myself put the incubator up so we don't end up with a ridiculous amount of chickens

[nasagreen]

Well, I'm still here.  Hanging on for dear life.  This pregnancy is very different than the last and I've been pretty sick.  Plus I've continued to have migraines which have been hard to handle.  Today I'm home from work with one.  We are still struggling with debt paydown and still owe my mom some money.  We make so much, but spend it too.  Classic problems.  As you get further on your race, over years and years (we're almost at 6 years on the board), it is harder to make the cutbacks permanent because you feel deprived.  But, we still pay all our bills on time, which is a huge plus, and are moving debt to the paid column.  I just need to focus on that.

[classof2015]

Hi All, this month's updates below. Still adding extra to finish paying off the car this month. Assuming nothing unexpected pops up will try in the next month to completely wipe out Cap1 so I can throw everything at the Home D, the interest on that one is killing me. Wish I could balance transfer a store card...any group thoughts?
Thanks!

UPDATE Classof2015:  5/13/2013 $9,842 (2/11/13, $15,138, S151) 

                        Interest rate     Starting Debt     Current Debt     Difference
CC#1 - Citi         7.99%                   $2,291             $0                  ($2,291)
CC#2 - Cap1        17.90%                 $2,685             $1,110            ($1,575)
CC#3 - HomeD     22.99%                 $6,393             $6,190             ($203)
Car loan              5.75%                    $3,769.93          $2,541.92        ($1,228)
                                Total                 $15,138           $9,842              ($5,296)

[3jsmom31]

Keep your head up, nasa.  Sorry you are having a hard time right now.  Each pregnancy was different for me, but it was consistent about no caffeine or I was gonna hurl.  Maybe you are sensitive to something that normally doesn't affect you.  I hear you about the paydown.  Some years (yep, years) we were kind of unfocused about it, and then others we worked hard on it.  We started (mostly) making it a priority a year or so before I joined the WIRR on the other site.  We borrowed right at the same time as we completed the first race, so it's like we never were out of debt  ....  Anywho, I hope you get to feeling better!