steph08
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Post by steph08 on Apr 24, 2014 13:37:53 GMT -5
Updated some of my target payoff dates because I just think I wasn't being realistic - especially in a new house where we seem to "need" something all the time, plus with buying baby items. As long as the 0%s are gone before their expiration dates (not until 2015 and 2018) and hopefully the car loan by the end of 2015, we should be in good shape. May will be a rough month because I just had to buy new tires, DH's truck needed brakes/rotors/calipers and we had to get flooring for the nursery. Every single thing we need seems to cost $400 each. *sigh* We'll see if I can still stick to the budget. Nice update! Do you have an emergency fund? Maybe it makes sense to slow down the payoff of the 0% balances and build more of an emergency fund instead. That way the $400 expenses won't affect you too much when they come. -movinonup Yep - I've got about $6k in an emergency fund ($5k that I absolutely don't want to touch - save in case of job loss, etc.) and $1k that I would prefer not to touch either but am willing to spend on these little things like carpet, car repair, etc. I'd really just like to work around so I can cash flow everything. We had a lot in savings until we bought our house (our down payment) - it just hurts to not see all that money in savings anymore! |
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movinonup
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Post by movinonup on Apr 27, 2014 20:38:47 GMT -5
UPDATE- movinonup: 04/27/2014 $298,889.21 (02/12/13 $309,217.65 NE100) NY| Account | Interest Rate
| 02/12/2013
| 03/31/2014
| 04/27/2014
| Amount Paid Since Last Update
| Total Amount Paid
| Percentage Paid
| | LOC | 18.240%
| $3,500.00
| $2,195.43
| $700.00
| $1,495.43
| $2,800
| 80.00%
| CC#1
| 0.000%
| $20,688.08
| $9,665.30
| $9,530.41
| $134.89
| $11,157.67
| 53.93%
| CC#2
| 0.000%
| $(8.16)
| $15,525.60
| $15,214.60
| $311.00
| $(15,222.76)
| (186,553.43)%
| CC#3
| 18.990%
| $10,300.00
| $4,443.74
| $4,324.00
| $119.74
| $5,976.00
| 58.02%
| CC#4
| 16.990%
| $9,135.05
| $7,145.31
| $6,989.56
| $155.75
| $2,145.49
| 23.29%
| CC#5
| 10.990%
| $4,910.22
| $10,782.21
| $10,670.75
| $111.46
| $(5,760.53)
| (117.32)%
| CC#6
| 0.000%
| $1,239.00
| $0.00
| $0.00
| $0.00
| $1,239.00
| 100.00%
| | SL#1 | 3.500%
| $23,021.50
| $20,726.95
| $20,521.67
| $205.28
| $2,499.83
| 10.86%
| | SL#2 | 6.800%
| $4,748.54
| $3,406.83
| $3,375.46
| $31.37
| $1,373.08
| 28.92%
| | SL#3 | 6.550%
| $2,533.57
| $2,007.93
| $1,969.09
| $38.84
| $564.48
| 22.28%
| MTG
| 3.875%
| $220,170.76
| $224,834.19
| $224,491.83
| $342.36
| $(4,321.07)
| (1.96)%
| Auto
| 4.240%
| $8,979.09
| $1,668.65
| $1,101.84
| $586.81
| $7,877.25
| 87.73%
| | Total |
| $309,217.65
| $302,422.14
| $298,889.21
| $3,532.93
| $10,328.44
| 3.34%
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This update is a little early because I don't think I will have time later this week or next weekend to post an update. It looks a little better than it would have later this week. Next month's payoff will probably not be as good. I got reimbursed for some medical expenses so I didn't use too much of my LOC. Two more months of car payments. Then I probably won't be hitting the LOC so often. Roth IRA contributions and EF deposits still on auto-pilot. -movinonup
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wudnit
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Post by wudnit on Apr 29, 2014 14:38:50 GMT -5
Update: 4/29/14 Wudnit $59,771 (1/13/10 $172915 NEU46)
Good news is that I'm below $60,000. Always love it when I make it below another 10K mark. Hoping that May will be the month that I can make a very large dent in this debt. I will be paying off our apartment mortgage so that will feel WONDERFUL, but I'm also hoping to put a dent in our House mortgage in May. Keeping my fingers crossed.
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Maryland Monroe
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Post by Maryland Monroe on May 1, 2014 2:49:49 GMT -5
Update: Maryland_Monroe[2] 5/1/14 $77000.92 (1/1/14 $80451.89 NE 113)
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nidena
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Post by nidena on May 1, 2014 8:11:51 GMT -5
Received a windfall last week that really helped me get over the hump in paying down my CC debt. For awhile, my payments were only 8% of the balance; then they were 13% of the balance. With the windfall, I was able to pay off 37% of the balance. That is definitely a big chunk of the balance and makes paying the rest that much easier.  |
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wudnit
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Post by wudnit on May 1, 2014 9:09:25 GMT -5
Nidena: Congratulations on the windfall!!! WOW!!! It must feel heavenly to have put that much of a dent in your balance!!!
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wudnit
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Post by wudnit on May 1, 2014 9:33:41 GMT -5
UPDATE: Wudnit 5/1/14 $56,297 (1/13/10 $172915 NEU 46)
My balances remaining now stand at:
Home Equity: $37,224
House: $19,073
Apartment: 0
Camp: 0
TWO zeros!!!! I'm feeling very good about things right now. It took me two years to get my first 0 and then almost 2 1/2 years to get my 2nd 0. It has truly been a long road and I still have a ways to go, but it feels great to have only two loans now instead of 4. I keep snowballing the payments so now will be able to put a bigger chunk towards the next mortgage. So nice to see the House under $20K!
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nidena
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Post by nidena on May 1, 2014 13:10:55 GMT -5
UPDATE: Wudnit 5/1/14 $56,297 (1/13/10 $172915 NEU 46)
My balances remaining now stand at:
Home Equity: $37,224
House: $19,073
Apartment: 0
Camp: 0
TWO zeros!!!! I'm feeling very good about things right now. It took me two years to get my first 0 and then almost 2 1/2 years to get my 2nd 0. It has truly been a long road and I still have a ways to go, but it feels great to have only two loans now instead of 4. I keep snowballing the payments so now will be able to put a bigger chunk towards the next mortgage. So nice to see the House under $20K! That house will be paid off in no time!!  |
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lazysundays
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Post by lazysundays on May 1, 2014 15:27:39 GMT -5
Nidena- what a roll model. I remember you from a few years ago. Look how far you've gone. Great job!!!!
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dschmidt1007
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Post by dschmidt1007 on May 1, 2014 18:44:57 GMT -5
UPDATE: dschmidt1007, 5/1/14, $88,397.99 (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% | $574.94 | $100.00 | $1,701.79 | Dec-14 | | United Teletech Loan | $6,893.40 | 6.99% | $20,972.91 | $552.00 | $(14,079.51) | Jan-18 | | BoA - RCCL | $21,495.01 | 6.99% | $3,779.19 | $64.00 | $17,715.82 | Jun-20 | | D's Car | $19,706.13 | 2.99% | $10,449.17 | $484.00 | $9,256.96 | Apr-16 | | W's Car | $25,265.93 | 0.90% | $14,084.79 | $550.00 | $11,181.14 | Jul-16 | | Sallie Mae SL | $13,609.27 | 4.38% | $11,809.34 | $139.40 | $1,799.93 | Nov-22 | | Discover SL | $22,695.03 | 2.94% | $18,209.45 | $264.00 | $4,485.58 | Jan-21 | | EdFinancial SL | $1,002.11 | 2.11% | $- | $- | $1,002.11 | PAID OFF!!! | | Care Credit | $2,467.00 | 0.00% | $- | $- | $2,467.00 | PAID OFF!!! | | Citi | $9,785.00 | 0.00% | $8,518.20 | $128.00 | $1,266.80 | Dec-19 | | Total | $125,195.61 | - | $88,397.99 | $2,281.40 | $36,797.62 | Jan-21 |
This whole thing makes me want to throw up. We are "moving" in the right direction, but not really. My unemployment ran out this week (the end of April) so now I am looking at -$640 per month moving forward. My business is not picking up steam fast enough (I work 100% on commission in the hospitality industry helping groups find hotels for sports teams, conferences, meetings, etc) and nothing I have booked is happening until September - so I don't get paid til after they check out of the hotel - not pretty. Luckily my husband's side business is picking up steam, but still. Aside from what's on here, I also have a $2,300 mortgage (I hate living in NJ!) plus all the utilities that go along with a house & all the repair nonsense that inevitably happens with a 90 year old home. I was looking for a full time job for 10 months before getting laid off to no avail, and continued to look until January, when at my husband's urging, I started this commission only position. Now, I've been looking for the last 2 months for part time work at local stores (shoe store, drug store, home furnishings, etc) that all have help wanted signs in their windows, but I haven't even heard back from them! So frustrating! We'll get through this month, but next month, I've got no clue. I already tried applying for a HARP refi with our mortgage provider, but apparently we still make too much money! Ugh! It really sucks that those of us who have done everything right and are trapped in our underwater mortgages can get no relief whatsoever.
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wudnit
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Post by wudnit on May 15, 2014 10:39:55 GMT -5
Bankergurl: I hope all is okay with you. I think I've been reading your blog without making the connection.
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wudnit
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Post by wudnit on May 15, 2014 10:49:00 GMT -5
Update: 5/15/14 Wudnit $53,293 (1/13/10 $172915 NEU46)
Well, I had hoped to make another update in May and I finally did it. Had to wait for some things to clear. I applied an additional $3,000 to my mortgage. My balances are now as follows:
Camp Mortgage: 0
Apt. Mortgage: 0
House Mortgage: $16,068
Home Equity: $37,224
TOTAL: $53,293
A big reduction from my starting point, but then again, I've been at this for years. I've been with the WIRR for about 4 1/2 years. That is when I really got serious about the debt. I was glad to not have credit card debt, but I had a LOT of mortgage debt. With only two more loans to go, I am feeling pretty good about things and have been throwing as much as I can on the debt. The house WILL be paid off this year. The Home Equity, by the end of the year next year. I keep writing this as it helps to repeat the commitment. I do everything I can to stay on track and motivated. When I first started with WIRR, the Apartment Mortgage was over $60K. Doing the happy dance that, that is paid off!!
I will be off the $50-100K list within the next couple of months!!
Sad to see that not many people are posting.........is anyone out there??
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movinonup
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Post by movinonup on May 16, 2014 12:34:56 GMT -5
wudnit - I agree that it is sad that few people are posting. The good news is that some who are missing are graduates. There are a lot of people who could use this board, I am sure. There was much more visibility on MSN. It was like having a 20,000 square foot store in the middle of Times Square. Tough to miss it there. On proboards this is more like a 50 square foot basement store on a side street in Istanbul. I can't wait to see you graduate from the $50-100K list.
-movinonup
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wudnit
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Post by wudnit on May 19, 2014 7:17:14 GMT -5
movinonup: Thank you for the smile this morning!! Your analogy is great! I think you are right, we aren't so "out there" any more. We are more hidden. The lists also do not get updated as often as they used to and some of the lists seem to have stopped altogether. Not sure what can be done to re-motivate people to post. This board has really helped me to stay accountable. It has been a long journey and it has always been nice to be here with like minded people.
I can't wait to see me graduate from the $50-100K list either!! Trust me, I will really be dancing around then. As it is, I've done quite a few happy dances since paying off the apartment mortgage. That was a big one for me and a loooooooooong time coming!!! I have to say that just getting below 100K motivated me to push harder. Then, getting to 50% of my debt paid off was another big motivator. You really do have to celebrate all the steps along the way. They all add up to big accomplishments.
Thanks again!!
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lazysundays
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Post by lazysundays on May 20, 2014 14:20:51 GMT -5
Lazysundays 5-20-14 $176,700 (3/27/14 $178,652) NEU173, From NJ
CC1 $5935
CC2 $2459
CC3 $1152
CC4 $4851
SL1 $76,552
SL2 $64,008
SL3 $21,743
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steph08
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Post by steph08 on May 28, 2014 13:13:12 GMT -5
Not as much paid off this time as I was hoping for, but we had a lot of car expenses ($1k+) this month, as well as some other planned expenses that ate up my extra payments. UPDATE: steph08 5/28/2014 $18,411.78 (4/8/2014 $19,863.94 NE116) | Card (Interest Rate) | Start | Previous | Current | Difference | Target Payoff | Normal Payoff | | Lowe's (0%) | 2,136.35 | 1,790.09 | 1,733.72 | (402.63) | August 2014 | September 2015 | | Furniture (0%) | 4,239.04 | 4,054.04 | 3,869.04 | (370.00) | December 2014 | March 2018 | | Car (2.9%) | 13,488.55 | 13,172.22 | 12,809.02 | (679.53) | August 2015 | June 2017 | | TOTAL | 19,863.94 | 19,016.35 | 18,411.78 | (1,452.16) | | |
We did sell our ATV, and I am not sure whether to stick that money into savings ($3k), or pay off the Lowe's and then snowball that money onto the furniture or car. We currently have about $6k in savings that is just emergency, not designated for anything. Thoughts? |
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movinonup
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Post by movinonup on May 28, 2014 15:16:57 GMT -5
We did sell our ATV, and I am not sure whether to stick that money into savings ($3k), or pay off the Lowe's and then snowball that money onto the furniture or car. We currently have about $6k in savings that is just emergency, not designated for anything. Thoughts? Since Lowe's and the furniture are at 0%, I would put any additional payment to the car. As long as you are able to make your monthly payments, there is no reason to pay off a 0% loan early. The payment to the car is going to save you money, whereas paying either of the other loans will just shorten the length of the loan. I would also consider putting part of the money into savings. -movinonup |
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on May 28, 2014 15:32:07 GMT -5
steph08: Given that your debt is either at 0% or a really good low rate, I probably wouldn't be in a hurry to put your windfall into any of it, frankly (unless you won't be able to normally pay it off before any rates reset). While $6k is a decent emergency fund, how many months' expenses does it cover? Are you on track to max all your retirement fund options for 2014? Personally, I'd use the money first for a Roth, or to max any other retirement funds, or to beef up the emergency fund if less than 6-12 months, and only then put it on such low-interest debt.
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bankergurl
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Post by bankergurl on May 29, 2014 15:13:30 GMT -5
$50K - $100K List Updated! $23,550.33 paid off in the last month! You are all amazing!
Please let me know if I missed anyone!
- 5 Members removed for no updates for over 60 days.
- Welcome to rr234 from the MW!
- One Leapfrog, Red Racer Ris from the S!
Congrats to ners from the MW for paying off over $10K!
Congrats to Banker Gurl from MW for getting under $90K and for paying off over $80K!
Congrats to Wudnit from the NE for paying off over $115K and over 65%!
Congrats to dschmidt1007 from the NE for getting under $90K, and paying off over $20K and over 20%!
Congrats to Red Racer Ris fom the S for getting under $95K and paying off over $50K!
Congrats to Muffy in Red from the S for paying off over $50K!
Congrats to CrazyLady from the MW for paying off over 40%!
www.notmsnmoney.proboards.com/thread/11190/wirr-50-100k-club?page=5&scrollTo=1904211 |
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bankergurl
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Post by bankergurl on May 29, 2014 15:54:32 GMT -5
$100K Club updated as of 5/29/14! $17,376.65 paid off in the last month! WOWOWOWOW!
- Two member lost due to no update in over 60 days.
Congrats to movinonup from the NE for getting under $300K and paying off over $10K!
Congrats to DizzyIntellectual from the MW for paying off over $25K, over 15% and getting under $130K!
Congrats to nidena from the NE for paying off over $60K!
www.notmsnmoney.proboards.com/thread/11187/100k-club?page=5&scrollTo=1904347 |
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nidena
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Post by nidena on May 30, 2014 21:00:41 GMT -5
Truly, truly torn!! $4800 to put somewhere.
A) (You may remember) USAA extended an offer to match 50% of anything extra that I put towards my HEL, up to $6000 (so, $12k on my end)
Current balance is $19137 @ 7.99% and I've paid $2420 extra so far. The offer is through Oct 31st.
B) My only CC has a balance of $9440 @ 8.9% (I have a $900 payment budgeted for the 15th, from my paycheck; minimum payment is around $150. This payment is a little low cause I have A/C repairs to pay for this month. I have been paying $1500/mo for the past two months.)
C) Option A and do my best to take full advantage of the HEL offer from USAA (thereby eliminating the HEL within the next year, 12 years ahead of schedule)
D) Option B and forget about the HEL offer and pay towards the CC
In ten months I will be starting my transition to living off my retirement pay (12 months before I have to actually do so) which (gross) is 1/3 my take-home pay. Once retired (at age 39 11/12), come May 1st, 2016, I will continue with my part-time job--increase my hours a bit since I work maybe 20-30 a month right now--and be a bum from May to Oct 2016.
I'm selling stuff on ebay and amazon marketplace to downsize the amount of crap that I have in my house. I'm having a yard sale tomorrow for the same reason. One person does NOT need as much crap as a family of three.
Thoughts?
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lazysundays
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Post by lazysundays on May 31, 2014 5:50:36 GMT -5
I like option 1, even though cc seems like the logical route with that high interest. A match ( free $) and 12 years gone on option one. Go with free $, always.
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movinonup
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Post by movinonup on May 31, 2014 6:57:30 GMT -5
Nidena,
Put the money towards the HEL. Budget so that you pay $12,000 by 10/31 if possible. Then switch to paying the minimum on the HEL and maximize your payment on your CC.
-movinonup
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Maryland Monroe
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Post by Maryland Monroe on Jun 1, 2014 4:00:52 GMT -5
Update: Maryland_Monroe[2] 6/1/14 $76129.43 (1/1/14 $80451.89 NE 113)
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Maryland Monroe
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Post by Maryland Monroe on Jun 1, 2014 4:12:54 GMT -5
$50K - $100K List Updated! $23,550.33 paid off in the last month! You are all amazing!
Please let me know if I missed anyone!
- 5 Members removed for no updates for over 60 days.
- Welcome to rr234 from the MW!
- One Leapfrog, Red Racer Ris from the S!
Congrats to ners from the MW for paying off over $10K!
Congrats to Banker Gurl from MW for getting under $90K and for paying off over $80K!
Congrats to Wudnit from the NE for paying off over $115K and over 65%!
Congrats to dschmidt1007 from the NE for getting under $90K, and paying off over $20K and over 20%!
Congrats to Red Racer Ris fom the S for getting under $95K and paying off over $50K!
Congrats to Muffy in Red from the S for paying off over $50K!
Congrats to CrazyLady from the MW for paying off over 40%!
www.notmsnmoney.proboards.com/thread/11190/wirr-50-100k-club?page=5&scrollTo=1904211
My numbers on the update are from April 1 instead of May 1: Update: Maryland_Monroe[2] 5/1/14 $77000.92 (1/1/14 $80451.89 NE 113) I just posted my June 1 update a few minutes ago. |
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nidena
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Post by nidena on Jun 1, 2014 17:52:57 GMT -5
Okay, so I put $4300 of the $4800 towards the HEL. I'll put the remainder of it towards it at the end of next week...just in case something pops up for my Jeep or other unplanned expense. I do that pretty much every pay period: schedule the majority payment at the beginning of the pay period and then pay the remainder of what I budget on the day that the next paycheck hits. Anyhow, it's way awesome to see that balance below $15000. Another $5000 and I'll have maxed the offer. My understanding is that they'll make their payment at the end of November so, come Dec 1st, my balance should be only $4000. Oh! That is very exciting!
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wudnit
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Post by wudnit on Jun 2, 2014 8:55:32 GMT -5
UPDATE: 6/1/14 Wudnit $50,397 (1/13/10 $172915 NEU46)
Home Equity: $37,193
House Mtg: $13,203
Getting there!!! Well, I will definitely be below $50,000 next time I update. That may or may not happen this month. We have more money coming in and I can't decide if we should use a portion of it to eliminate the house mortgage all together. I am still basking in the glory of being down to two loans versus the 4 I started with when I joined WIRR. Still I hate staring at that $37,000+ HE loan. UGH!!! Would love to see that one below $30K. So there are a couple of things I need to decide. FIRST, do I use a portion of the windfall to payoff date or do I invest it? Then, if I do apply to debt, do I pay down the House Mortgage, or pay down the HE. Too much for my brain to deal with on a Monday morning. I'll have time to decide.
Nidena: Way to go......that is extremely exciting. What is even more exciting is retirement!!! YOU GO GIRL!!
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movinonup
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Post by movinonup on Jun 2, 2014 9:07:32 GMT -5
UPDATE- movinonup: 06/01/2014 $297,760.23 (02/12/13 $309,217.65 NE100) NY| Account | Interest Rate
| 02/12/2013
| 04/27/2014
| 06/01/2014
| Amount Paid Since Last Update
| Total Amount Paid
| Percentage Paid
| | LOC | 18.240%
| $3,500.00
| $700.00
| $2,005.84
| $(1,305.84)
| $1,494.16
| 42.69%
| CC#1
| 0.000%
| $20,688.08
| $9,530.41
| $9,463.39
| $67.02
| $11,224.69
| 54.26%
| CC#2
| 0.000%
| $(8.16)
| $15,214.60
| $14,909.60
| $305.00
| $(14,917.76)
| (182,815.69)%
| CC#3
| 19.990%
| $10,300.00
| $4,324.00
| $4,281.00
| $43.00
| $6,019.00
| 58.44%
| CC#4
| 16.990%
| $9,135.05
| $6,989.56
| $6,926.78
| $62.78
| $2,208.27
| 24.17%
| CC#5
| 10.990%
| $4,910.22
| $10,670.75
| $10,558.34
| $112.41
| $(5,648.12)
| (115.03)%
| CC#6
| 0.000%
| $1,239.00
| $0.00
| $0.00
| $0.00
| $1,239.00
| 100.00%
| | SL#1 | 3.500%
| $23,021.50
| $20,521.67
| $20,353.80
| $167.87
| $2,667.70
| 11.59%
| | SL#2 | 6.800%
| $4,748.54
| $3,375.46
| $3,183.42
| $192.04
| $1,565.12
| 32.96%
| | SL#3 | 6.550%
| $2,533.57
| $1,969.09
| $1,929.69
| $39.40
| $603.88
| 23.84%
| MTG
| 3.875%
| $220,170.76
| $224,491.83
| $224,148.37
| $343.46
| $(3,977.61)
| (1.81)%
| Auto
| 4.240%
| $8,979.09
| $1,101.84
| $0.00
| $1,101.84
| $8,979.09
| 100.00%
| | Total |
| $309,217.65
| $298,889.21
| $297,760.23
| $1,128.98
| $11,457.42
| 3.71%
|
I have a new zero! The car is paid off. That's over $500 that is now freed up. My LOC will get paid off again today. I will probably be pulling some cash from it again later this month because I had a few gigantic expenses in the past month that went on my daily use credit card that gets paid off every month. Only about a third of the balance of CC#3 is subject to interest right now. My immediate goal is to pay off the interest-bearing portion of that balance. My biggest challenge is sticking to my budget. The budget does exist. It is just not as closely followed as it should be. Roth IRA contributions and EF deposits still on auto-pilot. I do have cash in an investment account that I do not consider to be an EF. I have no intention of using that money. I want the account that I consider my EF to grow over time. I have always taken extra money (windfalls, gifts, etc.) and put it in my investment account or used it for debt repayment. I will have to start to put some of this cash into the EF also. As always, I am happy that my total continues to move in the right direction -movinonup
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munjoyhill
Junior Member
Joined: Dec 23, 2010 9:06:30 GMT -5
Posts: 181
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Post by munjoyhill on Jun 3, 2014 12:48:38 GMT -5
Update Munjoyhill 6/3/14 $106,800.21 ($155,340.30 6/18/09)
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lazysundays
Familiar Member
http://triggur.livejournal.com/476376.html
Joined: Jun 27, 2011 21:14:01 GMT -5
Posts: 679
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Post by lazysundays on Jun 3, 2014 18:58:13 GMT -5
Lazysundays 6-3-14 $176,993 (3/27/14 $178,652) NEU173, From NJ
CC1 $5863 -> 5874
CC2 $2473 ->2459
CC3 $1762 ->1172
CC4 $4900 ->4851
SL1 $77,282 -> 76692
SL2 $64,245 -> 64140
SL3 $21,878 ->21805
$1659 paid off :/ still being cautious about how much to throw at cc's.
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