Women in Red Racers - Northeast Region

[sbvs4you]

okay I'm here, hope everyone has a great new year!

[Maryland Monroe]

Dec 28, 2010 18:58:59 GMT -5 @jen said:

How do you do the table in here?

I found it right here on our site:

notmsnmoney.proboards.com/index.cgi?board=general&action=display&thread=372

[idlecrush]

New update, new site.

idlecrush: 12/29/2010 $9733.04 (3/3/2010 $11417.96 NEU129)

Card	3/3/10	11/23/10	12/29/10	Change
CC1	5965.43	6007.16	5883.16	-82.87
CC2	1410.89	427.44	0	-1410.89
CC3	1947.06	1887.94	1865.06	-82.00
CC4	2094.58	2025.61	1984.82	-109.76
Total	11417.96	10348.15	9733.04	-1684.92

My first zero and I'm under 10 grand! All of my balances are in the negative as well. Working 2 jobs is paying off. My boyfriend and I are moved in and my total bills are going to be less than the rent I was paying before so I should have a pretty big snowball if everything works out.

I'm picking up every other weekend at the hospital (PT job) so that will add some more money to my monthly income. With the shift differential, I'll actually be making more per hour than at my full time job!

Here's hoping my momentum continues into the new year!
idlecrush

[kristin11]

Im here! I love the look of the tables! I am much more positive after the progress that I have made over the last 2 weeks. I am going to post my update tomorrow since its my 1 year anniversary. Not sure if I should do it here or on MSN still?

[twixgirl]

Hi everyone! I am in no matter how this gets worked out, thanks everyone for finding this site to keep the thread going!! I appreciate all the work!

[ronnyanna]

Happy New Year!
Thanks

[ronnyanna]

my last two posts

Message #3460
09/09/10 05:24 AM
Ronnyanna 9/9/10 2,501 (5/17/07 34,758 N50)
CC#5 160. 13%
CC#12 403 18%V
CC#18 1499. 15%
CC#20 162. 21%
new card 127.
medical 150

Message #2560
05/16/10 09:14 PM
REVISION
Ronnyanna 5/16/10 $2,148 (5/17/07 $34,758 N50)
CC#5: 13% 184.
CC#12 19% 552.
CC#18 15% 1142.
CC# 20 21% 270.

[wantanewjob]

New year, new forum ... I'm ready!

[poohbiscit1]

Test

12/31/2009 12/24/2010 Diff
CC#1 $ 1,723.58 $ 2,137.44 $ 413.86
CC#2 $ 10,553.67 $ 9,168.07 $ (1,385.60)
Totals $ 12,277.25 $ 11,305.51 $ (971.74)

[poohbiscit1]

2nd Test. Let's hope I did it correct this time.

Debt	12/31/2009	12/24/2010	Diff
CC#1	$1,723.58	$2,137.44	$413.86
CC#2	$10,553.67	$9,168.07	$(1,385.60)
Totals	$12,277.25	$11,305.51	$(971.74)

[kristin11]

Update:
Kristin11: 12/30/10 $13,788.59 (12/31/09 $16,567.73 NEU8)

1. Domestications - $0 – No Change
2. Kohls - $428.07 – $221.93 Increase
3. Target Visa - $4,398.09 – ($157.29) Decrease
4. Discover - $1,481.35 – ($7.50) Decrease – Payment Due The 4th
5. Disney Visa - $1,138.18 – ($23.94) Decrease
6. Shell Fuel Card - $0 – ($176.44) Decrease
7. Macys - $0 – No Change
8. Sisters Loan - $510.00 – ($60.00) Decrease
9. Bethpage FCU - $5,832.90 – ($155.12) Decrease

Total change for the past month was ($358.36) Decrease.

It’s my one year anniversary today so here is where I ended up. Down $2,779.14. It’s both better and worse then I thought it would be. When I first started I thought I would be down like $5,000 at this point because I didn’t realize how hard it was going to be. Lately I have been having a hard time because I am not willing to give up as much as others but I think I should be pretty proud of where I am at considering had I not joined my debt probably would have just gone up.

My aunt suggested a website to me where you put in all your debts, interest rates, minimum payments and what you are and can contribute and it calculates a payment schedule for you to get your debt to be eliminated as soon as possible. I spoke with both my mother and sister and even though they are under hard financial times themselves, they agreed to let me hold off on making payments with them for the next 6 months to see if I can follow the payment schedule provided by this website. My sister says I am going to get charged interest on my loan but that’s something that I will have to wait and see. If I can follow it without struggling too much it says that I can have 3 debts paid off by the end of 2011 (2 racing and 1 non). If I can follow their plan I will be debt free by May of 2013 aside from my car payment which I should be able to pay off about 2 ½ years early should this be successful. Since I have my families support I think this is the time to try and make it work. I already scheduled all of my January payments and so far so good for that month so I just have to take it month by month and see if I can pull off making the payments it tells me to.

[rpprt]

Kristin- I see you've paid off your fuel card. Congrats! And kudos to you for talking with DM & DS and working out a plan. You've made some fantastic progress this past year!

[rpprt]

So it appears to me (and I'm just learning) that when you sign on, you can "Exalt" one person. I just did poohbiscit for that nice table - and that gives them their karma!

[chiver78]

Dec 30, 2010 10:04:38 GMT -5 rpprt said:

So it appears to me (and I'm just learning) that when you sign on, you can "Exalt" one person. I just did poohbiscit for that nice table - and that gives them their karma!

yup, and it also locks you out from exalting anyone else for some time. I think 2 hours (?) but I'm not sure.

there used to be a "smite" button, that took away karma, as well - just in case you see that mentioned around the boards.

[poohbiscit1]

Thanks rpprt. I am defintely not one that is good with code so I am glad my 2nd attempt was successful. I still do not know what I did wrong the 1st time around

[ravenhaired]

UPDATE!

Ravenhaired: 12/30/10 $58,603.12 (12/23/09 $72,190.66)
Pittsburgh, PA NE U4

[glow=red,2,300]TOTAL DEBT REDUCTION IN 2010: $13,587.54!!!![/glow]

Bills	Dec 2009	2010
Mortgage	52,585.13	48,777.29
LOC	11,280.70	9,825.83
SL	5,481.90	0.00
CC1	2,232.93	0.00
CC2	0.00	0.00
Fridge	610.00	0.00
Totals	72,190.66	58,603.12
Decreased by:		(13,587.54)

2011 Financial Goals
BS#1 – Establish 1K EF – Complete (2K)
BS#2 – Pay off LOC (In progress – Target completion June)
BS#3/BS#4 – Establish 10K EF/Re-adjust retirement contribution to 15%
Re-adjust retirement contribution to 20%
BS#5 -- Complete
BS#6 – Pay off mortgage
BS#7 – Build wealth & give
RETIRE EARLY ;-)

[Maryland Monroe]

Happy anniversary, Kristin! Almost $2800 is good progress.

[crisde2bdebtfree]

Update
Note New User Name
Crisde2bdebtfree—12/30/2010—16,206.10— (8/31/2010 16,834 NEU286) Long Island NY
Happy Financially Healthy New Year To All





CC 1--(9.99%)- 5,015.—New Bal –4279.42
LOWES--(0%) 2,500.—New Bal 1961.68
CHASE CC 2--(9.99%) --1,248. ---New Bal 2067.46
MAS CARD --(15.99%) --4,636.—New Bal—4308.09
KOHLS-- (21.90%) -1,153.—New Bal—1285.13
MACYS--24.50% --1,164. –New Bal—1322.48
BML-- 19.99% --700. New Bal--656.05
DELL-- (16.24%) - 418. New Bal—345.58

Begin balance 16,834.----- This month---16,225.89---Total paid to date---608.11
Goals –2011
Would like to be less than 10K by 9/2011
Transfer a few high interest cards to 0% or low interest cards
Lowes must be paid off by May 2011
EF—150.00 + a month—( 1,000.00 by 3/11)
Gifts, clothes,& miscellaneous---200.00 a month in account This is where I end up going off budget and using credit cards so this acct is to keep me from adding new debt
NO New Debt in 2011!
Make a food budget and stick to it—I spend way too much on food for a family of four.

[betterinblack]

hi everyone, i lurk occasionally and saw the move... i want in just in case i come back some day. wishing you all the best -- and happy new year!

[raven64]

Kristin,
You did wonderful this year! Almost $3000 is great progress. I've been with WIRR for almost a year and have paid off $3445 this year alone. When I started I thought it would be more like $10,000 and was kind of disappointed at first. But I realized I still paid off a pretty decent amount and would of been $10,000 more in debt if I hadn't joined WIRR. I think when we first start out, we envision paying off unreasonable amounts and put too much pressure on ourselves to reach them. Now as long as I've decreased my debt, no matter how much, it's progress in the right direction.

Can I ask what website you used to set up a payment schedule? I would really like to give that a try.

[raven64]

Jen,
Welcome!!! I completely understand how you felt when you added up your debt. When I joined WIRR last January I though I was about $30,000 in debt. When it added up to over $53,000 I was sick for days. I really put my stupidity into perspective. This board will help you alot with encouragement and lots of wonderful advice. Best of luck on your journey to be debt free.

[raven64]

I'm sitting here this morning working on my budget for next month and reflecting on the past year here with WIRR. While we did have a few setbacks over the past year, things would of been far worse this month had I not joined this group and buckled down on our finances. Our biggest accomplishment this year was saving our home with a mortgage modification. We were blessed and very fortunate to have had this option or 2010 wouldn't have been a very good year for us. We are also thankful for we have good jobs that are secure. DH and I wish the very best to all our WIRR friends in 2011 and hope that Murphy takes a permanent vacation this year. Happy New Year everyone and here's to a debt free future!

[dawnm]

Hello all! I wanted to finally join the WIRR and make some real progress in 2011. I have far too much credit card debt, and want to make a serious dent in it this coming year. This is scary for me because my total is so high, but doing this will really help motivate me to do what needs to be done! Oh, and I'm from Mass

DawnM: 12/31/10, $20,966, NEPT2
CC #1 27.24% 3,581
CC #2 27.24% 1,441
CC #3 26.24% 4,611
CC #4 25.24% 248
CC #5 24.99% 56
CC #6 23.24% 753
CC #7 17.99% 4,890
CC #8 11.24% 89
CC #9 2.90% 4,373
CC #10 2.90% 925
Total 20,966

Yikes! Well here's to a very Happy New Year!

[jen]

Dec 31, 2010 10:04:21 GMT -5 raven64 said:

Jen,
Welcome!!! I completely understand how you felt when you added up your debt. When I joined WIRR last January I though I was about $30,000 in debt. When it added up to over $53,000 I was sick for days. I really put my stupidity into perspective. This board will help you alot with encouragement and lots of wonderful advice. Best of luck on your journey to be debt free.

Thank you for the welcome!! It was hard too see the total, but I need to get out of debt sooo badly. And i have an "all or nothing" personality, so once i start i'm sure i will be motivated I can't wait to post my first update! (it will probably be tomorrow since i just got paid and tomorrow will pay bills and budget). i can't wait!

HAPPY NEW YEAR!!!

[constanz22]

Today is my 2 year anniversary on WIR Although I haven't been active in my race for the past few months, as soon as we get the new board up and running, I am going to re-start my race! I am so excited to race again!

[jen]

UPDATE!!!

Jen:1/1/11, $28,569.00 (12/27/10, $29,396.00 NE1 Proboards, not msn)

Hi All!!
This is my first update. This table was much harder to figure out than I thought it would be, but I finally figured it out and then it wasn't so bad. The CC Consolidation Loan balance went up because of interest. The payment isnt due yet, but I wasn't sure if i was supposed to add that in, so I added it just in case to keep the number accurate. I feel like my first update is pretty good, but I just got paid and also had some X-Mas $ to put toward bills, soo here goes

Debt	Start 12/27/10	Current 1/1/11	Difference
Hospital Bill	$575.00	$0.00	-$575.00
Furniture Bill	$1,316.00	$1316.00	$0.00
Car Loan	$7407.00	$7,079.00	-$328.00
CC Consolidation	$20,098.00	$20,174.00	+$76.00
Total	$29,396.00	$28,569.00	-$827.00
Percentage Paid	2.81%

Happy New Year
~Jen

[sunshinegal1981]

I'm in!!! I do hope the 100k+ list updates will continue?

Happy New Year, everyone!!!!

XOXOXO

[meltingdebt]

Update melting_debt: 1/2/11 $19999.03(1/1/10 $30,844.93)


DEBT ORIGINAL BALANCE(1/1/10) 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 $1449.61 281.61
CC #3 $9499.62 $7546.23 (1953.39)
BCC #1 $4818.91 $00.00 (4818.91)
BCC #2 $13,599.19 $11003.19 (2596.00)
TOTAL $30,844.93 $19999.03 $10845.90

Account Original Balance(1/1/10) Current Balance Change
Savings $0.0 $130.00 $130.00
Emergency $0.0 $550.84 $550.84
Vacation $0.0 $653.08 $653.08
IRA $0.0 $1955.32 $1955.32
Total $0.0 $3289.24 $3289.24

Last year, my goal was to pay off all of my debt. I really need to stop beating myself up over not achieving my goals. I think this is the overachiever in myself, which has the ability to set my own personal goals way to high. This morning in yoga class ($10 class every other week, because I really need it!!!), I decided to stop beating myself up and start looking at my accomplishments. I paid down over $10,000 in debt in 12 months, and I saved $3289.24.

I need to stop making excuses for my actions or else I will end up being like Lindsay Lohan. For CC#2, I wish I could blame that all on the dentist appointment I had, but noooooo. A clothing store was going out of business, with everything 50% off, and my husband really needed new pants and shirts for work, so low and behold I spent $175 (because you know, he never buys himself any clothes).

My goals in 2011 are not to buy anything new (besides necessities, such as tires, food, etc) until June 01, 2011, pay off cc #2, and cc#3, and save $5,000 this year. I think this is a little bit more doable.

Good luck to all of you in the 2011!

[meltingdebt]

I just posted my update and came out a mess.
How do you insert tables into this forum?

[lark1964]

I'M HERE! I'M HERE! I wasn't sure how to get here, but I'M HERE! I'M HERE!

They didn't give us much notice, did they?