Women in Red Racers - Northeast Region

[munjoyhill]

Update Munjoyhill  2/12/13  $109,982.56  ($155,340.30 6/18/09)


I wanted to post my update, I just took $10,000 out of my EF to pay down my mortgage some, so when my mortgage loan modification goes through it's less.  

I am using coupons as much as I can, and I also frequent a coupon site.  What I find frustrating is the high cost of healthy foods, like fruit, veggies, yogurt, etc. The store brand yogurt I buy has gone from $1.66 to $1.88 to $2.29 in about 7 months!  And lettuce, just this week a head of lettuce went from $1.49 to $1.99.  I don't eat much processed food, if it's in a box I rarely buy it, I try to eat as healthy as I can.  I live in Maine, so there are no farmers markets this time of year, but I do take advantage in late summer and fall during harvest time.  My best find has been Trader Joe's, the fruits and veggies are much less and are good too.  

I am a die hard user of CVS for all my HBA items, love the ECB.  I have healthy stockpiles of non-perishable items.  

[lark1964]

Hi Peg - do you buy plain yogurt? I buy greek yogurt, I use it a lot, Oiko's is good, and can buy it in quarts, mix in fruit or nuts or whatever. The organic version costs about $8, but it's got 10-12 servings in it that way. Trader Joe's probably has a greek version, too, and Stoneyfield.

[movinonup]

Hello All.  I followed some of the WIR threads on MSN years ago.  I have been reading this thread occasionally for a while now.  I recently read about the first 50 pages or so of this thread.  I am purposely starting my race now, so I can give up debt for Lent.  I have been paying down my debts and actively tracking the balance since May of 2009, when I maxed out at $338,300.  I have excluded only two debts from my list.  My credit card that I use for everyday expenses and pay every month, and the balance for my CSA share which will be paid on a set schedule by June.  Most of the CC debt is from my wife and my educational costs.  The balance on CC#2 was just transferred to CC#3, but since I am going to have some interest charged when the billing period ends, I paid a little extra so that hopefully there will be a zero balance on the statement.  I'm really just hoping to get rid of the credit card debt, but I feel that all of my debts should be regularly documented here.  While my debt is really bad, it looks worse than it actually is.  Some of the credit card balances are entirely or partly currently at 0%, but I put the regular rate in my table.  Since this post is long already, I will set my goals and post them, along with some more details later.  Thanks!

Oh, and I ripped off the table from Raven64.  I hope you don't mind. 

New Member:
movinonup: 02/12/13 $309,217.65 (02/12/13 $309,217.65 NE100) NY

Account	Rate	02/12/13
LOC	18.24%	$3500.00
CC#1	18.99%	$20,688.08
CC#2	16.99%	-$8.16
CC#3	19.99%	$10,300.00
CC#4	16.99%	$9,135.05
CC#5	3.99%	$4,910.22
CC#6	0.00%	$1,239.00
SL#1	3.50%	$23,021.50
SL#2	6.80%	$4,748.54
SL#3	6.55%	$2,533.57
MTG	4.625%	$220,170.76
Auto	4.24%	$8,979.09
Total		$309,217.65

[Rocky Mtn Saver]

Movinonup, to giving up debt for Lent!

[heartvolunteer]

Sounds like a good plan...I'm not a person who does anything like giving up something for Lent, but for life? Now that sounds like a good habit to take up! Vroom Vroom everyone!!

[crisde2bdebtfree]

Update
Crisde2bdebtfree—2/13/2013—$16,114.64--8/31/2010 $16,834 NEU286) Long Island NY

This is by far the best update that I have had in a long time; both personally and financially.   So…Where to start…

 I Have an Emergency Account again!!! 
I Won $750.00 in Super Bowl Pool!!!
I am in the process of getting back on the County Payroll!!!

I was called in for interview for a Position in the County Medical Center—I have to wait for Civil Service approval—and that can take a while but that’s ok—I still have my new job to keep my mind busy and pay the bills until I am back with County.  I will be back in the NYS Retirement System again & my prior service credit and My Health benefits will be reinstated.—that makes me happy!  Oh and I get to use my new skills from the Medical Office Administration Program I just recently completed.

As for my Debt repayment--Although My balances didn’t go down much—I did however manage to get together the money for an EF—So-- That’s My February update. What a difference a year makes!

 My Goals—Last Month—This Month
Emergency Account—0.00---1000.00-
Pay off 4,000.00 this year. ---0.00—200.93

BEGIN BALANCE---NEW BALANCE
MC-----4636.00—3245.36
CC1----5015.00—3265.74
CC2----1248.00—5936.22
KOHLS--1153.00—1667.32
MACYS--1164.00--2000.00
BML--- 700.00---0.00
DELL-- 418.00---0.00
LOWES--2500.00--0.00

Begin Balance---16834.00
This Month------16114.64
Last Month------16315.57
Paid to Date----719.36
Paid This Month—200.93

[wudnit]

I'm so glad to be FINALLY off the 100K+ list.  I am looking forward to seeing the first 50-100 list with my name on it!!!  Hopefully, I won't be on this one as long as I was on the 100K list!!!  I am planning this to be a GOOD year!!!!  Prosperity and peace to all!!!!  My goals got derailed last year, planning on a better year this year!!! 

Hope everyone is doing well!!!

[ravenhaired]

UPDATE!
Ravenhaired: 2/15/13 $52,350.73 (12/23/09 $72,190.66)
Overall decrease $19,861.74
Pittsburgh, PA NE U4

Fed Tax return received – Woo-hoo! Plopped that puppy in the EF before I could bat an eyelash.
Only 1 month away from my 10k EF (INSERT HAPPY DANCE HERE)!

DEBT	Dec '09	Dec '10	Dec '11	Dec '12	Jan '13	Feb '13
Home Equity Loan	63,865.83	58,603.12	50,508.60	52,350.73	52,328.92	52,328.92
MISC Debt	8,324.83		379.00	0.00	0.00	0.00
Totals	72,190.66	58,603.12	50,887.60	52,350.73	52,328.92	52,238.92
Change:		13,587.54	7,715.52	-1,463.13	21.81	0.00
SAVINGS	Dec '09	Dec '10	Dec '11	Dec '12	Jan '13	Feb '13
EF	0.00	1,985.02	5,000.00	8,000.00	8,202.71	9,751.87
Totals	190.20	1,985.02	5,000.00	8,000.00	8,202.71	9,751.87
Change:		1,794.82	3,014.98	3,000.00	202.71	1,549.16

2013 Resolutions / To Do List
* Make and use only natural cleaning and personal hygiene items
* Study homeopathy
* Experience something new once a month
* Sincerely compliment someone new each week

Daily Goals
* Think less, LOVE MORE
* Invest in passionate pursuits
* Accept what is
* Live honestly

* Anger and worry less, Smile and laugh more
* Be grateful and remember LIFE IS GOOD!

[meltingdebt]

Melting debt UPDATE 2/16/13 $8545.08 (1/1/10 $30,844.93)

DEBT	Original Balance 01/01/10	Current Balance	Change
Cable	$136.84	$0.00	$136.84
Cell phone	$367.54	$0.00	$367.54
Clothing Store	$512.46	$0.00	$512.46
CC #1	$742.37	$0.00	$742.37
CC #2	$1,168.00	$234.73	$933.27
CC #3	$9,499.62	$2,107.16	$7,392.46
BCC #1	$4,818.91	$0.00	$4,818.91
BCC #2	$13,599.19	$6,203.19	$7,196.00
Total	$30,844.93	$8,545.08	$22,099.85
Account	Original balance 01/01/10	Current Balance	Change
Savings	$0.00	$45.02	$45.02
new car	$0.00	$568.55	$568.55
emergency	$0.00	$51.52	$51.52
Vacation	$0.00	$150.65	$150.65
IRA	$0.00	$1,791.55	$1,791.55
Total	$0.00	$2,607.29	$2,607.29

So I made it to under $10,000 in debt.  I am so happy about that.  I thought that I was sliding backwards because I had to empty out the emergency and vacation funds to be able to get my DH's truck fixed.  I have to say, I price shopped online for new tires and breaks and Sears Auto had the cheapest price of them all.  On one hand, I am sad that we will not be going away some place warm this winter, but on the other hand, I was happy we got new tires and breaks with all of the snow. 

So maybe when I finish this race hopefully by the end of this year, I will treat myself to a very well deserved vacation. 

[cls328]

Update:
A little progress. Hopefully more on my next paycheck as the DH and I have decided that all of my OT should be going to credit cards instead of spread throughout our budget for little needs/wants. I will be dropping my taxes off to my CPA in the next week and I am hoping to get a little something back. Finally below 25K.

	2/18/2013
SL	7,481.28
CC1	0
CC2	11,593.58
CC3	5,868.03
CC4	0.00
	24,942.89

CLS 328:  2/18/2013  $24,942.89  (12/21/08 $42,189.11) NE 397

[shanendoah]

The 25-50K List has been updated

• We have TWO GRADUATES! KCLadyJane from the Midwest and CLS 328 from the Northeast. Congratulations!
  
• In the last two weeks, this list has paid off over $11,050 in debt
  
• Seahorse jumped into the number 3 spot and Gidget13 moved up from 12th to 9th.
  

[maryjanemanolos]

Update: maryjanemanolos[2]: 02/23/2013 $17512 (6/24/2011 $32525 NPT32)


Loan Starting   Current Paid Off

Anaestheseologist $775 $0 100.00%
Hospital $3,454 $0 100.00%
Richmond Ped $401 $0 100.00%
OB/GYN $2,965 $0 100.00%
CC $1,326 $3,748 -171.69%
State (audit) $5,608 $1,474 69.26%
Navy Fed PL $5,230 $3,485 32.73%
IRS (audit) $13,168 $8,813 28.51%


Totals $32,927 $17,512 46.82%

Nothing really new to report. Still plugging away at the state tax bill. Thankfully, we didn't owe anything this year and even had a small refund we could apply. We have had to dip into our emergency fund for the past two months because of changes in my husband's pay structure at work, but those should be resolved this month (I hope I hope, otherwise our EF will be wiped out).

[cls328]

Update:

Just wanted to post since I made a big payment to one of my cards today:



CLS 328:  2/23/2013  $24,008.89  (12/21/08 $42,189.11) NE 397

	2/23/2013
SL	7,481.28
CC1	0
CC2	11,593.58
CC3	4,934.03
CC4	0.00
	24,008.83

[dschmidt1007]

dschmidt1007, 2/24/13, $103,472.84 (8/7/12, $110,668.68, NE90)

DEBT	STARTING DEBT	INTEREST RATE	CURRENT DEBT	MINIMUM PAYMENT	PAID OFF!!!	ANTICIPATED PAY OFF
American Express	$2,276.73	15.24%	$-	$-	$2,276.73	DONE!!!!
United Teletech Loan	$6,893.40	6.99%	$5,700.53	$202.24	$1,192.87	Jul-13
BoA - RCCL	$21,495.01	6.99%	$23,339.05	$371.00	$(1,844.04)	Jul-14
D's Car	$19,706.13	2.99%	$16,475.08	$510.00	$3,231.05	Nov-14
W's Car	$25,265.93	0.90%	$21,548.89	$550.00	$3,717.04	Feb-15
Sallie Mae SL	$13,609.27	4.38%	$13,089.99	$139.40	$519.28	Jun-15
Discover SL	$22,695.03	2.94%	$21,225.27	$263.79	$1,469.76	Nov-15
EdFinancial SL	$1,002.11	2.11%	$662.03	$50.00	$340.08	Apr-14
Care Credit	$2,467.00	0.00%	$1,432.00	$177.00	$1,035.00	Nov-13
Total	$115,410.61	-	$103,472.84	$2,263.43	$11,937.77	Nov-15

So hubby got his "year end bonus" and I immediately put it to good use!  One down and a few to go!

[antevasin]

Hey everyone, I was an active member but got dropped due to becoming inactive so I'm back to rejoin.  Last year was very tough, with my finances spiraling out of control due to some large unanticipated expenses (Murphy's law was by my side non-stop last year).  However, I got fed up, spent a lot of time re-evaluating things and as a result, I've planned better and finally got back on track.  So I'm starting over on this board and hope to be consistent this time.  With that said, here's my revised information:

Re-joining member:

antevasin: 2/26/13 $102,088.07 (8/20/08 $210,000.00 NE100)

Amount paid off as of 2/26/13: $107,911.93
Percentage paid off: 51.39%
Total amount remaining: $102,088.07
Percentage remaining: 48.61%

[Rocky Mtn Saver]

Antevasin, you should consider coming over to the Women In Red Savers thread and posting your savings goals!  We're all about the saving. 

[Maryland Monroe]

Just a quick tip for some who might find it hard to save while paying off debt: Every debit transaction in my checking account is rounded up to the next dollar when I record it. All deposits have the cents dropped. In about seven months, this amounted to $100, which I deposited to my savings account. I keep a spreadsheet instead of a check register. The rounded balance has its own column, and in my mind, the "book balance" is the available balance. These are my columns:

Date

Item

Debit

Credit

True Bal

Saving

Book Bal

Also, I noticed that every payday I had about the same amount of money left in my in & out account. This is the account I use to pay for gasoline or other incidental purchases. Money for bills is in another account. I started putting the entire remaining balance in my savings account on payday and starting fresh with the new amount. Since the first of this year, that has amounted to $367.

This has helped me because even though I really, really want a big fat zero for my racing balance, I also really, really want some money in the bank for emergencies.

[ravenhaired]

UPDATE!
Ravenhaired: 2/28/13 $52,229.85 (12/23/09 $72,190.66)
Overall decrease $19,960.81
Pittsburgh, PA NE U4

DEBT	Dec '09	Dec '10	Dec '11	Dec '12	Jan '13	Feb '13
Home Equity Loan	63,865.83	58,603.12	50,508.60	52,350.73	52,328.92	52,229.85
MISC Debt	8,324.83		379.00	0.00	0.00	0.00
Totals	72,190.66	58,603.12	50,887.60	52,350.73	52,328.92	52,229.85
Change:		13,587.54	7,715.52	-1,463.13	21.81	99.07
SAVINGS	Dec '09	Dec '10	Dec '11	Dec '12	Jan '13	Feb '13
EF	0.00	1,985.02	5,000.00	8,000.00	8,202.71	7,609.87
Totals	190.20	1,985.02	5,000.00	8,000.00	8,202.71	7,609.87
Change:		1,794.82	3,014.98	3,000.00	202.71	-592.84

Making my last school payment from my EF instead of LOC; things will improve considerably from here.
My income will increase in 5 months so that will also speed things up.

2013 Resolutions / To Do List
* Make and use only natural cleaning and personal hygiene items
* Study homeopathy
* Experience something new once a month
* Sincerely compliment someone new each week

Daily Goals
* Think less, LOVE MORE
* Invest in passionate pursuits
* Accept what is
* Live honestly
* Anger and worry less, Smile and laugh more
* Be grateful and remember LIFE IS GOOD!

[lark1964]

Ahhhhh.... payday.... all the bills get paid, and then I begin the 30 day trek through the balance of cash left..... where to skimp? where to skimp? I'm sure I can find a way to cut a corner...

why, oh, why, do I have champagne taste and a beer budget?

*sigh*

Is it Friday, yet?

I need the Flower Show next week. So very, very, very much. I have a special allowance of $100 cash for it. I'm going to PLAY.

[Rocky Mtn Saver]

LOL, I'm with you on that, lark!  Payday is today, and by Monday I'll be artificially 'broke' again.  Here's hoping we make it through the next 30 days!  

[murphath]

Someone once told me that payday meant "pay everyone else" day.  Here's hoping that all your efforts will change that!

[movinonup]

Update:  movinonup: 02/28/13 $306,508.28 (02/12/13 $309,415.62 NE100) NY

Account	Interest Rate	2/12/2013	2/28/2013	Amount Paid	Percentage Paid
LOC	18.24%	$3,500.00	$719.49	$2,780.51	79.44%
CC#1	18.99%	$20,688.08	$21,043.08	-$355.00	-1.72%
CC#2	0.00%	-$8.16	-$2.46
CC#3	0.00%	$10,300.00	$10,300.00	$0.00	0.00%
CC#4	0.00%	$9,135.05	$9,153.05	-$18.00	-0.20%
CC#5	3.99%	$4,910.22	$4,826.78	$83.44	1.70%
CC#6	0.00%	$1,239.00	$1,239.00	$0.00	0.00%
SL#1	3.50%	$23,021.50	$22,902.85	$118.65	0.52%
SL#2	6.80%	$4,748.54	$4,678.98	$69.56	1.46%
SL#3	6.55%	$2,533.57	$2,497.66	$35.91	1.42%
MTG	4.63%	$220,170.76	$220,170.76	$0.00	0.00%
Auto	4.24%	$8,979.09	$8,979.09	$0.00	0.00%
Total		$309,217.65	$306,508.28	$2,709.37	0.88%

Goals:

• Get off the $300K list (I think this list is only in my head).
  
• Stop using my LOC as my Emergency Fund
  
• Transfer balance (Probably from CC#1) to CC#2 to get my Average Interest Rate lower
  

This was a very expensive month, but I am still moving in the right direction.  I've confiscated CC#1 from my wife, so that balance should stop growing. 

[Delphinus317]

UPDATE:  Delphinus317 3/1/13 $127,140.57 (2/9/12 $132,416.25)

Creditor	Starting Balance	3/1/13	Total Paid	Current Balance
Mortgage	$120,883.09	($181.16)	($2,120.18)	$118,762.91
Auto Loan	$11,533.16	($493.56)	($3,155.50)	$8,377.66
Total	$132,416.25	($674.72)	($5,275.68)	$127,140.57

Total percentage paid: 3.98%

[antevasin]

Update:

antevasin: 3/1/13 $102,026.62 (8/20/08 $210,000.00 NE100)

Amount paid off as of 3/1/13: $107,973.38
Percentage paid off: 51.42%
Total amount remaining: $102,026.62
Percentage remaining: 48.58%

Updating for the start of the month.  A small addition to the total pay off, but moving in the right direction!

[wudnit]

Update Wudnit:  3/1/13  $98,570 (1/13/10 $172915 NEU46)



When can I expect updates to the $50K list to show up?  This is my 2nd update and so far, no new list......sigh.......I worked so hard to get onto the next list........okay, feeling just a bit sorry for myself.......I'm over it now.  I realize that all of you who do the updates work hard and do an amazing job!!!  I really do appreciate you all!!!

m

[shanendoah]

head on over to the West board and congratulate twinmama85 on winning her race!!!!

[kristin11]

Update:

Kristin11: 3/1/13 $6,094.00 (12/31/09 $16,567.73 NEU8)

Creditor	1/22/13	3/1/13	Difference
Domestications	$0	$0	$0
Kohls	$0	$0	$0
Target Visa	$0	$0	$0
Discover	$3,607.75	$3,553.30	($54.45)
Disney Visa	$1,129.87	$1,102.11	($27.76)
Shell	$0	$0	$0
Macy's	$0	$0	$0
Sister's Loan	$0	$0	$0
Bethpage Loan	$1,427.93	$1,038.59	($389.34)
Aunt's Loan	$475.00	$400.00	($75.00)
Total:	$6,640.55	$6,094.00	($546.55)

 

I am taking things slowly right now trying to figure out what is the best option for me.  I was working on paying off Disney as soon as possible then figured I could transfer some money from another card over to it.  But Discover only has a promotional rate through March of 2014 and the balance is a lot higher so I am thinking about paying more to that card. I couldn’t pay a huge amount towards either this month because I had to lower my payments in February since it is a shorter month with no overtime at my regular job and I only worked 2 Saturdays at my second job.  I was about $100 short on my rent but thankfully I have built myself a nice Emergency Fund.  I should hopefully be able to have it fully funded again by Summer.  I am very excited to be in March finally because my job is open again which means I should be able to get myself an hour or two of overtime a week this month! 

[munjoyhill]

Update Munjoyhill  3/2/13  $109,764.29  ($155,340.30 6/18/09)

[redruby]

50-100K Club Update as of 3/3/2013.  <o:p></o:p>

We have newmembers!!   Let’s make some awesomeprogress this year. <o:p></o:p>

WelcomeSparkle767,wudnit and prqpinelady<o:p></o:p>

notmsnmoney.proboards.com/thread/11190/wirr-50-100k-club?scrollTo=1482820&page=4<o:p></o:p>

[bankergurl]

$100K Club updated as of 3/3/13! $22,844.92 paid off since 2/10/13! !
Welcome to movinonup from the Northeast!
Welcome back to antevasin from the Northeast!
Two Leapfrogs this week, Munjoyhill and dschmidt1007, both from the Northeast!
Congrats to Delphinius317 from the NE for paying off over $5K!
Congrats to dschmidt1007 from the NE for paying off over 5%!
Congrats to Munjoyhill from the NE for paying off over $45K and over 25%!
www.notmsnmoney.proboards.com/thread/11187/page/4/100k-club#scrollTo=1526826