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Post by debtheaven on Jan 5, 2011 6:34:17 GMT -5
Mazal Tov Writer! What a wonderful, exciting, inspiring moment for all of us! A beautiful end to a long journey fraught with adventure and Murphy! I am SO happy for you!!!
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Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,826
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Post by Minnesotagirl7 on Jan 5, 2011 7:19:23 GMT -5
Congratulations Writer!!! Way to go!!!
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shopaholic814
Familiar Member
Joined: Jan 16, 2011 17:43:46 GMT -5
Posts: 799
Mini-Profile Background: {"image":"","color":""}
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Post by shopaholic814 on Jan 5, 2011 7:56:22 GMT -5
Congrats Writer for winning your race!! Loved your 'Wicked Debt' triumph song!!!
Congrats BC! While reading, I noticed some others congratulating you also.
You are both an inspiration to all!!
-Shopaholic814 from the MidWest
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nasagreen
Familiar Member
Joined: Dec 28, 2010 8:08:37 GMT -5
Posts: 509
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Post by nasagreen on Jan 5, 2011 8:00:01 GMT -5
Congrats Writer88 & FFinBC on winning your races!! Woo hoo!!!!
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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 Jan 5, 2011 12:30:34 GMT -5
That's great news debtheaven!
WAY TO GO ON YOUR WIN Writer88
sealy from the West
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indebtyogini
New Member
Joined: Dec 27, 2010 16:25:33 GMT -5
Posts: 48
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Post by indebtyogini on Jan 5, 2011 13:02:33 GMT -5
Congrats Writer!!!! Such an inspirational journey! I hope you come back and visit us often. We will miss your little bits of wisdom!
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redracerris
Established Member
Dance to have fun and like no one else is watching.
Joined: Dec 26, 2010 11:57:46 GMT -5
Posts: 304
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Post by redracerris on Jan 5, 2011 16:39:55 GMT -5
Congratulations Writer88 You're such an inspiration to those of use who are still racing.
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el1504
Junior Member
Joined: Dec 22, 2010 16:26:20 GMT -5
Posts: 161
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Post by el1504 on Jan 5, 2011 16:50:28 GMT -5
UPDATE
EL1504[2]: 1/6/2011 $3,848.88 (3/19/2010 $6,751.42 IU62)
Hopfully Writer's 88 juju will rub off on me this fortnight!
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Post by debtheaven on Jan 5, 2011 16:54:53 GMT -5
MoodyManitoba
Nice table, and nice update!
El
A fortnight?! Wow, you guys are all leaving me in the dust LOL!
ETA: I'm hoping to make my last car payment on Feb 6th (assuming the rental sale happens in late Jan as it should).
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coffeegirl
New Member
Joined: Dec 21, 2010 11:00:40 GMT -5
Posts: 23
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Post by coffeegirl on Jan 5, 2011 17:16:47 GMT -5
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Post by lifestyle on Jan 5, 2011 17:21:17 GMT -5
Hooray Writer 88! Well done!
I'm usually a lurker on this board but I have loved following you over the last year. You are an inspiration!
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Post by writer88 on Jan 5, 2011 23:17:31 GMT -5
It will EL1504 when you open your personal message box.  Hint: Scroll up to the top of the screen... |
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Post by writer88 on Jan 5, 2011 23:30:37 GMT -5
My  - felt gratitude to one and all. Lifestyle, your post relates a wonderful truth: we never know how far adrift go the ripples of our actions. Here I was posting my chapters to the ladies on the board, and they ended up having an effect on someone I had never met. Amazing! And humbling, too! Thanks for posting!  |
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Post by writer88 on Jan 5, 2011 23:37:04 GMT -5
Congrats Writer!!!! Such an inspirational journey! I hope you come back and visit us often. We will miss your little bits of wisdom! Don't worry. I'm sticking around the ProBoards site. You can catch FFinBC and me over at the WIR Savers Thread (where I trust all of you will join in once your debts are paid off  ). Besides, I wouldn't miss DebtHeaven's and El 1504's wins for all the tea in China!  |
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indebtinoz
New Member
Joined: Dec 23, 2010 21:28:27 GMT -5
Posts: 13
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Post by indebtinoz on Jan 5, 2011 23:47:54 GMT -5
wow what a great new years start to FFBC and WRITER88
all your hard work has paid off congratulations
you are inspiring us all to kick some debt butt in 2011
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Post by debtheaven on Jan 6, 2011 11:37:09 GMT -5
Update!
2007Debtheaven 6 January 2011 4265 EUR (25/11/09 11,500)
I am so happy that Writer is sticking around! Yay!
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alicesfreedom
Initiate Member
Joined: Dec 29, 2010 12:46:27 GMT -5
Posts: 69
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Post by alicesfreedom on Jan 6, 2011 12:15:28 GMT -5
Congratulations Writer88! It's been what seems to be a quick road to the end of the rainbow for you. With a few hills and curves but if we didn't have those I think life would be boring.  |
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Post by writer88 on Jan 6, 2011 13:07:25 GMT -5
It's been what seems to be a quick road to the end of the rainbow for you. With a few hills and curves but if we didn't have those I think life would be boring. I prefer to save the drama for my novel 
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coffeegirl
New Member
Joined: Dec 21, 2010 11:00:40 GMT -5
Posts: 23
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Post by coffeegirl on Jan 7, 2011 8:51:58 GMT -5
IMPORTANT Hi there everyone! I wanted to answer a few questions about the board closings for you all: 1. We are moving to notmsnmoney.proboards.com/index.cgi?board=wir2. There are temporary threads set up now for each region. By the end of January (hopefully by the end of next week) we will have permanent proboard regional threads. We haven't set them all the way up yet because we are still learning how things work there and how we have to adapt our practices. 3. Please stop posting on MSN now - while the boards aren't currently scheduled to close until 1/14, it makes it harder for the volunteers to do their jobs. 4. Taglines will stay the same for the time being. I am working on revised codes for the proboards sites and will let you all know of changes when we open the permanent threads. 5. New members should add a "PT" for their page number until further notice: WPT, IPT, MPT, NPT, SPT 6. Smiley faces will be back as soon as possible - we are looking at different options for how to best bring them back - best for you and best for the volunteers! 7. While the urgency is over, I am still collecting email addresses so that I can reach members as needed - you can email me at cgwirr at gmail dot com. 8. Please either use your MSN nic on proboards, or tell us who you used to be - otherwise we won't know it's you! Thanks for your patience! ~CG |
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Post by thriftyinmtl on Jan 7, 2011 13:03:59 GMT -5
Update and Reset 01-07-2011 | Name | 01-06-2009 | 01-07-2011 | Paid Off | %Paid Off | | Car | 10532.49 | 0.00 | $10,532.49 | 100% paid off 05/2010 | | RSP | 7500.00 | 0.00 | $7,500.00 | 100% paid off 04/2010 | | Mtg | 159732 | 158123.48 | $1,608.52 | 1% | | CC 1-5 | 4539.71 | 1900.00 | $2,639.71 | 58.10% | | SL | 11327.28 | 8492.10 | $2,835.18 | 25% | | Dad | 0.00 | 8232.72 | ($8,232.72) | 25.20% | | LOC | 7600.00 | 3100.00 | $4,500.00 | 59.20% | | Total | $201,231.48 | $179,848.30 | $21,383 | 10.60% |
Thrifty_in_MTL - 01/07/10 $179848.30(01/06/09 $201231.48- I140, IU22,IU100, IU116, IU142, IPT3) |
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Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,826
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Post by Minnesotagirl7 on Jan 7, 2011 13:28:24 GMT -5
Thrifty- Just a hunch (because I did it about a hundred times yesterday), but you may have forgotten the [/TABLE] in your update.
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Post by thriftyinmtl on Jan 7, 2011 13:41:04 GMT -5
yup mg7.. i was trying to figure it out.. i think i just got it! and now I've saved it too!
Writer88: CONGRATS! You are truly a role model to follow in this! May the new year bring you all you desire (and can afford hehe)
FYI on my rest: that's my borrowed money for my retirement account. Hopefully it will go down fast. I chose to put in on the LOC instead of my RSP LOC so that I could have control over the repayments.
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alicesfreedom
Initiate Member
Joined: Dec 29, 2010 12:46:27 GMT -5
Posts: 69
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Post by alicesfreedom on Jan 7, 2011 13:50:34 GMT -5
Hi Everyone.
Here is my update:
cc #1- 191.00 - 80.00 --- 111.00
cc #2- 1065.69 - 100.00 --- 965.69 Yes Hubby got one and bought my xmas and sdd note books and pizza for guys at work.
PLC 5000.00 - 3495.00 --- 1305.00
PLC 18,000.00 - 6793.35 --- 11,206.65
Total: alicesfreedom 01/07/2011 $13,588.34(9/2/2009 $24,275.73I226)
Just a question since we got a new credit card in Dec and my truck has been pd off since early 2010. Do I just add it to what I owe now without changing my orginal tag line?
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Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,826
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Post by Minnesotagirl7 on Jan 7, 2011 19:19:15 GMT -5
Great updates everybody!! I'm sooo glad its the weekend. I'm looking forward to taking it easy. A friend and I are going to see a movie tomorrow. The rest of the weekend is full of relaxing. Yippee!  ) |
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Post by moodymanitoba on Jan 8, 2011 11:35:32 GMT -5
Writer88: Just wanted to congratulate you on your win!!! You have come so far and prove to me that slow and steady wins the race. We have all been so inspired by your words of wisdom and perseverance! Loved your "Wicked Debt" song!   |
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Post by moodymanitoba on Jan 8, 2011 11:37:03 GMT -5
| Update: | | Debt | % | Original | Current | % Paid | | CC-Visa - RBC | 19.99% | $509.80 | $0 | 100% | | LOC | 10% | $4,000.00 | $3,799 | 5.02% | | SL1 | 4.75% | $80.59 | $0 | 100% | | SL2 | 5% | $345.16 | $0 | 100% | | SL3 | 5.5% | $4,244.72 | $3,970.33 | 6.46% | | Orthodontist | | $5,278.00 | $4,603.00 | 12.79% | | Mom | | $10,729.41 | $7,444.46 | 30.62% | | CRA | | $2,043.07 | $1,694.08 | 17.08% | | RRSP loan | 3% | $1,314.73 | $236.37 | 82.02% | | Mortgage | 5.78% | $157,260.45 | $155,628.22 | 1.04% | | Totals | | $185,805.93 | $177,375.65 | | | Amount pd | $8,430.28 | | | | | % pd | 4.54% | | | | |
MoodyManitoba: 01/08/11 $177,375.65 (02/12/09 185,805.93,150,I206,IU113,I144, IPT2) |
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Post by writer88 on Jan 9, 2011 9:56:43 GMT -5
ThriftyInMtl and Alice'sFreedom
If you want to add in a debt to your totals then you need to adjust your starting balances. Forgetting to adjust your starting balances will negatively skew your paid off percentages, lower your paid off amounts and limit your smilies. Let's use Thrifty's latest update as an example:
Thrifty's 01/06/09 starting balance was $201,231.48. After adjustment for the addition of "Dad debt" it would now read:
$209,464.20. <201231.48 + 8232.72 = 209464.20>
Thrifty's "paid off" total would be $29,615.90. <eliminate the negative sum for "Dad debt">.
Therefore, Thrifty's bottom line should read:
14.14% paid off
$179,848.30 (starting total: $209,464.20)
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Post by writer88 on Jan 9, 2011 10:03:36 GMT -5
Thanks, Moody Let's hear it for Tortoise Power!  |
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Post by debtheaven on Jan 9, 2011 16:47:29 GMT -5
Writer I love your Tortoises!
Thrifty
Great update! You're just plowing ahead!
Alice
Wow, CC1 is almost a goner!
Moody
Hi! You too, your RRSP loan is nearly gone!
Well, we got hit with a bunch of special assessments (about 2.5K for the year). Bummer!!! I haven't decided what to do about them yet, whether to pay off the car and rental reno loans as planned and then worry about the special assessments, or whether to hold some money back from the rental reno loan.
I actually wanted to borrow a few K more for the new rental in case something like this happened, but that loan seemed so "iffy" at one stage I decided not to.
In either case, I WILL pay off the car loan and "win" my current race. One, I want / need to win this race psychologically, because I will not really be debt-free for a long time with all the rental debt. Two, because it's a 355e/mo payment and that's a big chunk of change. I think if I can afford to completely pay off the rental reno loan, I will, and then redirect that 200/mo towards the special assessments.
Special assessments seem to be par for the course with the rentals, so there is something to be said for just reducing our monthly debt obligations as much as possible.
I'll make a final decision once the sale goes through and I actually know exactly how much we get and how much we owe.
But in any case, hopefully by 6 Feb I will be done!
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paynointerest
Established Member
Joined: Dec 21, 2010 1:35:20 GMT -5
Posts: 440
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Post by paynointerest on Jan 9, 2011 17:03:43 GMT -5
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).
)
