irishsob
New Member
Joined: Dec 29, 2010 7:23:44 GMT -5
Posts: 32
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Post by irishsob on Feb 26, 2011 8:40:10 GMT -5
Finally, a significant move in the right direction:
as of 5/16/07 (1st post) as of 1/31/11 as of 2/26/11
cc #1: $3,878.37 $0.00 $0.00
cc #2: $13,498.94 $0.00 $0.00
cc #3: $17,226.41 $21,395.65 $21,395.65
cc #4: $21,992.36 $7,639.64 $6,513.73
auto: $5,650.00 $0.00 $0.00
Total: $62,246.08 $29,035.29 $27,909.38
Monthly Change ~ -$1,125.91
Total Difference -$33,210.79 -$34,336.70
%-age Paid-to-Date ~ 55.16%
irishsob (N20): 2/26/11 $27,909.38 ($62,246.08 5/16/07)
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Post by casey2525 on Feb 26, 2011 8:48:49 GMT -5
February Update [/b] [/td] [td] 2/28/2011 [/td] [/tr] [tr] [tr] [td] Star (CC # 1) [/td] [td] [/td] [td] 0 [/td] [td] 0 [/td] [/tr] [tr] [tr] [td] HSBS (CC # 2) [/td] [td] [/td] [td] 0 [/td] [td] 0 [/td] [/tr] [tr] [tr] [td] USAA (CC # 3) [/td] [td] [/td] [td] $3,031.61 [/td] [td] $2,606.97 [/td] [/tr] [tr] [tr] [td] Citibank (CC #4) [/td] [td] [/td] [td] 0 [/td] [td] 0 [/td] [/tr] [tr] [tr] [td] Totals [/td] [td] [/td] [td] $3,031.61 [/b] [/td] [td] $2,606.97 [/td] [/tr] [tr] [/table] Casey2525 2/25/2011 $2,606.97 (12/31/07 $18,824.55 NE23) |
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Post by casey2525 on Feb 26, 2011 8:54:52 GMT -5
I filed my federal taxes earlier this week. I am ecstatic about the refund I am getting. I know most of it probably due to my SRB I received last year. I don't like how so much taxes are taken out of it up front, but I would have spent it. I will be using the $1500 of the refund towards my MC and put the remaining $500 in my savings account.
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Feb 27, 2011 14:12:23 GMT -5
Argh. I am putting my taxes together. And I'm annoyed. And I have stuff to do this year, and if I don't, I'm going to have house damage and I'm so frustrated. And now I'm going to have to revise my goal to 12,000, because I know absolutely I have to get my pointing done before the fall... *sigh*
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Feb 27, 2011 19:13:42 GMT -5
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ravenhaired
Initiate Member
"When you change the way you look at things, the things you look at change"
Joined: Dec 22, 2010 17:14:10 GMT -5
Posts: 56
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Post by ravenhaired on Feb 27, 2011 23:55:48 GMT -5
Ravenhaired: 2/28/11 $58,767.56 (12/23/09 $72,190.66) Pittsburgh, PA NE U4 EXPENSES | Bills | Dec 2009 | Dec 2010 | Jan 2011 | Feb 2011 | Mar 15, 2011 | | Mortgage | 52,585.13 | 48,777.29 | 48,506.06 | 48,235.98 | | | LOC | 11,280.70 | 9,825.83 | 9,015.83 | 7,999.83 | | | SL | 5,481.90 | 0.00 | 0.00 | 0.00 | | | CC1 | 2,232.93 | 0.00 | 0.00 | 0.00 | | | CC2 | 0.00 | 0.00 | 0.00 | 0.00 | | | Fridge | 610.00 | 0.00 | 0.00 | 0.00 | | | Surgery-bill 1 | 0.00 | 0.00 | 0.00 | 395.29 | | | Surgery-bill 2 | 0.00 | 0.00 | 0.00 | 801.01 | | | Yoga Course | 0.00 | 0.00 | 0.00 | 1,125.00 | | | Washer | 0.00 | 0.00 | 0.00 | 210.46 | | | Totals | 72,190.66 | 58,603.12 | 57,524.19 | 58,767.06 | | | Change: | | -13,587.54 | -1,078.93 | +1,243.37 | |
******** SAVINGS | Savings | Dec 2009 | Dec 2010 | Jan 2011 | Feb 2011 | Mar 15, 2011 | | EF | 0.00 | 1,985.02 | 1,763.82 | 2,621.52 | | | Liquid Savings | 190.20 | 0.00 | 0.00 | 200.00 | | | Totals | 190.20 | 1,985.02 | 1,763.82 | 2,821.52 | | | Change: | | +1,794.82 | -221.20 | +1057.70 | |
2011 Financial Goals BS#1 – Establish 1K EF – Complete (2K)BS#2 – Pay off LOC (In progress – Target completion August) BS#3 – Establish 10K EF/Re-adjust retirement contribution to 10% BS#4 –Re-adjust retirement contribution to 20% BS#5 -- CompleteBS#6 – Pay off mortgage (approx 2018) BS#7 – Build wealth & give RETIRE from corporate America! |
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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 Feb 28, 2011 8:46:38 GMT -5
Bankergurl, thanks for updating the 100,000 list, you have my last update as Feb 3, but I also updated on Feb 15. Thanks.
I am just turtling along.
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rpprt
Junior Member
Joined: Dec 27, 2010 13:57:38 GMT -5
Posts: 199
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Post by rpprt on Feb 28, 2011 9:08:12 GMT -5
UPDATE rpprt: 2/28/11 $23,706.56 (7/20/07 $55,547.14 N325) Total amount paid this month: $712.14 Total amount paid since start: $31,840.58 Percentage paid to date: 57.32% | Debt | Amount | 1/17/2011 | 2/28/2011 | | Veh#1 | $289.29 | $- | $- | | Veh#2 | $9,436.37 | $- | $- | | PL | $2,000.00 | $- | $- | | CC #1-3 | $2,268.80 | $- | $- | | CC#4 | $1,546.53 | $3,243.77 | $3,040.61 | | CC #5 | $18,045.29 | $10,725.08 | $10,543.50 | | CC #6 | $21,960.86 | $10,449.85 | $10,122.45 | | Totals | $55,547.14 | $24,418.70 | $23,706.56 | |
CC#4 will be under $3000 next month & CC#6 will be under $10,000. I'm starting to see the light at the end of this tunnel! Look at that % paid growing! |
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kristin11
Junior Member
Joined: Dec 29, 2010 14:41:23 GMT -5
Posts: 203
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Post by kristin11 on Feb 28, 2011 9:36:29 GMT -5
Update:
Kristin11: 2/28/11 $13,191.50 (12/31/09 $16,567.73 NEU8)
1. Domestications - $0 – No Change
2. Kohls - $336.78 – ($49.22) Decrease
3. Target Visa - $4,307.81 – ($45.59) Decrease
4. Discover - $1,442.42 – ($30.70) Decrease
5. Disney Visa - $1,102.43 – ($18.01) Decrease
6. Shell Fuel Card - $0 – No Change
7. Macys - $0 – No Change
8. Sisters Loan - $480.00 – ($30.00) Decrease
9. Bethpage FCU - $5,522.06 – ($156.11) Decrease
Total change for the past month was ($329.63) Decrease.
Still in turtle mode. I paid down more this month then I thought I was going to be able to but that was because I had room in my budget since I didn’t spend as much on certain things as I had budgeted. My sister’s loan payment is going back on hold right now. I am paying back a loan from my aunt at $5 a week that currently has a $25 balance so I am thinking that as soon as that is paid off I will pay the $5 a week to my sister so at least her number is going down a little until I can start to make larger payments again. I did my taxes yesterday and am only coming away with $50. I had budgeted in a payment of $150 just incase so actually I am at a $200 surplus but I thought that it would be more because I had changed my deductions. I need to make that $200 pay for the annual vet visit as well as an unexpected invite to a baby shower and a bachelorette party that I guess I tried to block out of my mind that I would have to attend. I am hoping that my DF can pay some if not all of that vet visit because then I know the $200 can cover the other expenses. Rent is due tomorrow and my DF swore he would have his half this time because they have been working here and there since the weather is improving but of course he doesn’t. We are about $300 short so I am going to have to call the landlord to see if we can pay Friday instead since I had trusted him that he would have his share this month. That would put a damper on my budget for next month but I always find a way to work things out. I just hope that they understand in waiting the 3 extra days. The cheaper apartment search isn’t going so well either. My mother and I looked at couple of places and both of us felt that they weren’t the right fit for us financially right now either. I received a balance transfer in the mail the other day for 0% financing on transfers for 15 months then 19.99% after that. I sent it in to try and transfer my Target balance onto it. My father and I worked it out that even with the 3% transfer fee I would be able to pay off an additional $1,250 then I would have if I kept the cards the same. I am trying not to be too optimistic about getting the card because I know $4,300 is a lot to transfer but it would certainly help a lot. Hopefully as the summer approaches things will get better!
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chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 39,746 
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Post by chiver78 on Feb 28, 2011 9:45:49 GMT -5
kristin, I see no increases, so you are totally still moving in the right direction. keep up the great work!  |
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GirlGreen
Initiate Member
Joined: Dec 22, 2010 17:07:23 GMT -5
Posts: 97
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Post by GirlGreen on Feb 28, 2011 9:59:35 GMT -5
Still turtle-ing along. I have a few expenses I want to save up for, so my extra money is going towards that at the moment. Hopefully I'll be able to turn it back towards my debt soon. GirlGreen: 2/28/2011 $16991.31 (1/27/10 $22,141.63 NEU75/334) | | Starting Balance | 2/28/2011 | Difference | | Student Loan | $10341.63 | $5724.96 | $4616.67 | | Car Loan | $11800 | $11266.35 | $533.65 | | Total | $22141.63 | $16991.31 | $5150.32 | 23.26% |
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Post by dawnm on Feb 28, 2011 12:15:13 GMT -5
DawnM: 02/28/11, $21,090 (12/31/10, $20,966, NEPT2) | | | 01/01/11 | 02/01/11 | 03/01/11 | | CC #1 | 27.24% | 3581 | 3547 | 3510 | | CC #2 | 27.24% | 1441 | 1427 | 1405 | | CC #3 | 26.24% | 4611 | 4869 | 5080 | | CC #4 | 25.24% | 248 | 242 | 215 | | CC #5 | 24.99% | 56 | 0 | 0 | | CC #6 | 23.24% | 753 | 742 | 730 | | CC #7 | 17.99% | 4890 | 4899 | 4876 | | CC #8 | 11.24% | 89 | 64 | 0 | | CC #9 | 2.90% | 4373 | 4396 | 4350 | | CC #10 | 2.90% | 925 | 939 | 924 | | | Total | 20966 | 21126 | 21090 |
There's my update for 3/1/11. Still a higher total than when I started, but at least lower than last month. I did my taxes last week, and plan to put $2,000 toward CC debt. I'm VERY excited about that. Also, I got engaged a couple of weeks ago and have big plans to use SAVINGS and not cards for an elopement this summer ;D I'll probably be posting a separate thread for elopement tips soon! Yay! |
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Post by crisde2bdebtfree on Feb 28, 2011 18:38:20 GMT -5
Update
Crisde2bdebtfree—2/28/2011—15, 912.98— (8/31/2010 16,834 NEU286) Long Island NY
Not a great update I went up since last month—No excuses just one of those Months have to get back on track.
CC 1--(9.99%) 5,015.—New Bal –4258.00
LOWES--(0%) 2,500.—New Bal—1813.23
CC 2--(9.99%) 1,248. ---New Bal –2193.87
MC--(15.99%) 4,636.—New Bal—4209.34
KOHLS-- (21.90%) -1,153.—New Bal—1236.04
MACYS—(24.50%) 1,164. –New Bal—1276.01
BML—(19.99%) 700. New Bal—616.24
DELL-- (16.24%) 418. New Bal—310.25
Begin Balance 16,834.----- This month---15,912.98--- Last Month---15,801.86
Total paid to date---921.02----------Total Paid This Month------(-112.00)
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Mar 1, 2011 8:36:44 GMT -5
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Mar 1, 2011 8:37:48 GMT -5
OOOOPS!!! Wudnit update 3/1/11: | DEBT | 1/1/10 | 3/1/11 | CHANGE | | Home Equity | 38453 | 38239 | -214 | | House Mortgage | 42040 | 37157 | -4883 | | Camp Mortgage | 29392 | 15216 | -14176 | | Apt. Mortgage | 63025 | 56232 | -6793 | | TOTALS | 172190 | 146844 | -25346 |
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Mar 1, 2011 8:41:04 GMT -5
If all goes as planned, I am now 9 months away from paying off my first loan which is our Camp Mortgage. That payment will then snowball into the Apartment Mortgage. Although the Apartment Mortgage is my HIGHEST remaining loan, it is also the loan with the next highest interest rate.
I don't want to wish my life away and plan to enjoy this year thoroughly, but I do look forward to making the final payment on that mortgage and actually OWNING at least one property!!!
Everyone seems to be doing well. I haven't been able to check in as often as I would like. Working hard on getting a handle on our budget/spending. Using YNAB. I love it!!!!
Wudnit
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Post by idlecrush on Mar 1, 2011 10:41:01 GMT -5
idlecrush: 3/1/2011 $9468.89 (3/3/2010 $11417.96 NEU129) | Card | 3/3/10 | 2/1/11 | 3/1/11 | Change | | CC1 | 5965.43 | 5812.97 | 5756.66 | -208.77 | | CC2 | 1410.89 | 0 | 0 | -1410.89 | | CC3 | 1947.06 | 1867.45 | 1830.45 | -116.61 | | CC4 | 2094.58 | 2031.78 | 1881.78 | -212.80 | | Total | 11417.96 | 9712.20 | 9468.89 | -1949.07 |
One year anniversary and I'm down almost 2000 dollars. Not too bad for a year with some ups and downs. Still turtling along right now. I have some money coming back from my taxes and I'm not sure what to do with it. I can put it on either of my 2 little cards and just about wipe them out, but my job situation is not very good right now so I think I'm going to put half on a card and half in savings. I'm going to really have to bust my butt to have this stuff paid off before October. That's when my student loans come into repayment (they are in forbearance until then). idlecrush Read more: notmsnmoney.proboards.com/index.cgi#ixzz1FMWfyK5l |
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chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 39,746
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Post by chiver78 on Mar 1, 2011 12:30:44 GMT -5
ok...I'm a little rattled right now. the most senior guy in my group just got let go this morning. I mean, the most brilliant guy in my entire department. um....wtf?!? he came in, looking for our boss so he could say goodbye (he's been working at a different site) and we couldn't find the boss. this really sucks.  |
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Post by sparalach on Mar 1, 2011 22:15:29 GMT -5
Sparalach Testing pasting table - venturing into new territory | Debt | Date | Current Value | Starting Value | Difference | % Paid off | | CC 1 | 3/1/2011 | $0 | 1,657 | 1,657 | 100.00% | | CC 2 | 3/1/2011 | $2,809 | 3,889 | 1080 | 27.77% | | CC 3 | 3/1/2011 | $6,242 | 6,753 | 511 | 7.57% | | Loan 1 | 3/1/2011 | $5,692 | 7,841 | 2149 | 27.41% | | Total | 3/1/2011 | $14,743 | 20,140 | 5,395 | 26.80% | |
I'm struggling with the Excel 2007 vs the old familiar Excel I use at work and am having difficulty with the dang $ and one row addition, but I'm tired and going to bed.  |
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Post by debtheaven on Mar 2, 2011 5:18:44 GMT -5
Has anybody seen CoffeeGirl lately? She hasn't been on for ages ...
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chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 39,746
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Post by chiver78 on Mar 2, 2011 8:25:37 GMT -5
coffeegirl has posted a few times in the "secret word game" thread over on smart spending. she's around. |
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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 Mar 2, 2011 8:28:15 GMT -5
Update Munjoyhill 3/2/2011 $144,700.16 ($155,340.30 6/18/09) | Debt | Starting Amt | 3/2/2011 | Difference | | HELOC | $30,340.30 | $20,610.25 | $9,730.05 | | Mortgage | $125,000.00 | $124,089.91 | $910.09 | | Totals | $155,340.30 | $144,700.16 | $10,640.14 |
I know I am turtling along, I admit that I am itching to throw extra at this debt to get it paid off earlier, but I am keeping in my saving mode, socking away as much as I can. I know my job is pretty secure, but I also thought that last October when I got laid off.
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Post by debtheaven on Mar 2, 2011 9:15:00 GMT -5
Hi Chiver That's not our Coffeegirl. That one's new, and she doesn't have an "i" in her nic. |
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Mar 2, 2011 15:13:19 GMT -5
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DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
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Post by DVM gone riding on Mar 2, 2011 21:57:17 GMT -5
coffeegirl hasn't sent any of us captains emails in a month so for now I guess we are just going along as best we can. She did set up a captain acct for us and has been given "mod" status so she has been here, I think she is just trying to get things straight.
West Co-captain
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,653
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Post by nidena on Mar 2, 2011 22:05:21 GMT -5
Coffeegurl is well and strong. We're friends on Facebook so I see updates from her every now and then.
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DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
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Post by DVM gone riding on Mar 2, 2011 22:33:47 GMT -5
Hi everyone I have tried to update the 50-100k list as best I can. I am not as good as bankergirl but welcome to sunshinegal1981.Since we aren’t yet getting regular updates of smileys/sheets if your total isn’t correct please post a single update line like you normally would on the thread and I will fix everyone. I did as best I could with just searching for people. notmsnmoney.proboards.com/index.cgi?action=display&board=wir&thread=2616&page=1 |
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Mar 3, 2011 9:20:41 GMT -5
UPDATE Wudnit 3/2/11 $146844 (1/13/10 $172915 NEU46)
I'm definitely making progress! Never seems fast enough, but I'm getting there and trying to stay motivated and avoid feeling discouraged. Everyone seems to be doing great!!! Love seeing the updates and seeing how hard everyone has worked. Makes me feel good to know that I'm not in this alone!!
Wudnit
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mom2-4monkeys
Junior Member
Joined: Dec 20, 2010 16:20:26 GMT -5
Posts: 144
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Post by mom2-4monkeys on Mar 3, 2011 12:42:41 GMT -5
UPDATE:Mom2-4Monkeys $48,434.58 3/3/2011 ( $50,835.43 1/3/2011 ) NPT3 | Debt | Original 1/3/11 | 1/21/2011 | 3/3/2011 | Paid | | Capital 1 | $3,022.42 | $3,022.42 | $1,450.00 | $1,572.42 | | Raymour | $463.61 | $445.05 | $427.23 | $36.38 | | BOA | $7,917.17 | $7,917.17 | $7,917.17 | $- | | Cambridge | $3,055.00 | $3,000.00 | $2,950.00 | $105.00 | | Truck | $7,821.24 | $7,415.54 | $7,134.19 | $687.05 | | Discover | $15,981.92 | $15,981.92 | $15,981.92 | $- | | Sears | $12,574.07 | $12,574.07 | $12,574.07 | $- | | Totals | $50,835.43 | $50,356.17 | $48,434.58 | $2,400.85 | | Savings | $- | $487.86 | 0 | | |
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mom2-4monkeys
Junior Member
Joined: Dec 20, 2010 16:20:26 GMT -5
Posts: 144
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Post by mom2-4monkeys on Mar 3, 2011 12:57:36 GMT -5
Just as I was getting used to being at the "top" of a list... (50-100k) I jump off of it. Murphy came to vist me and I had to use my savings, but I did not use a Card!! I will start my EF fund again. Until I found you guys, I would have never even thought of having an EF, because my cards could cover anything. Thanks for the support!
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