Women in Red Racers - Northeast Region

[lark1964]

A practical way to spend your tax refund:

icanhascheezburger.files.wordpress.com/2011/04/13802d33-1114-4698-8e04-c55884c8b6c4.jpg

[debtheaven]

Hurray Ronnyanna!

[rpprt]

idle
How did the interview go? Do you have an established EF? I'd say if you are happy with your EF balance, throw it at that CC for a soon-to-be SUPER ZERO!

[crisde2bdebtfree]

Congrats on your big Win-----Ronnyanna!

Idle--Best of Luck on Interview!!!

[freshnewday]

~CoNGRaTuLaTioNS ronnyanna!~

[foxybrown77]

Idle: How did the interview go? I'm with rppt. If your EF is fine I would throw all you can at your debt.

[oceanfire31]

Congratulations Ronnyanna!!

[redwagon]

I have an interview tomorrow morning - send some good job juju my way!

[idlecrush]

Thanks for all the interview vibes. It went pretty well overall. It was a 3 person panel and they took turns asking 27 predetermined questions (a few of which I didn't know the answer to). Then I had a 3 question written test. It was the first interview that I've ever been to where they weren't interested at all in who I am. So weird.

Right now I have only 300 dollars in my EF (or savings account) and I'm currently putting in 5 dollars a week. I suppose I need to put my money into savings, but I was so looking forward to having another zero in a few months.

idlecrush

[idlecrush]

redwagon - good luck on your interview!

[mom2-4monkeys]

idlecrush that is kind of weird that they didn't ask about *you*! When do you hear back from them?

redwagon sending good juju for you tomorrow... Good Luck!!

[LilBall]

The 25K-50K List has been updated. Check er out here:
notmsnmoney.proboards.com/index.cgi?action=display&board=wir&thread=3150&page=1

[redwagon]

Thanks guys! Good luck idlecrush - hope you hear back soon! That is an odd interview, for sure!

and thanks Lilball!

[foxybrown77]

Redwagon: good luck tomorrow!

[rpprt]

Shoutouts through Message #613

Delphinus317 – Glad to hear DH got another job so quickly. In three months you have paid over $2500 – that is GREAT!

CLS 328 – Congrats on the party hat! And you do look good in it!

motherto2 – Welcome to the Northeast! Your tagline will look like this: motherto2: 3/27/11 $197,463 (3/27/11 $204,186 SPT37,NPT19)

Munjoyhill – I think I will join you and lark in your “just a little bit more” quest and add a few more dollars each month to each of my debts.

Poohbiscit – Don’t get discouraged – you are doing fantastic. You will be under $10k in no time at all!

chiver78 - Congrats on the “angel”, bonus & paying off Discover #2! Your tax refund will take a nice chunk out of your Amex. I’m glad to hear things have calmed down at work.

Redwagon – That balance is definitely moving in the right direction!

Cushion21[2] – You will have that last SL paid off in no time – I can’t wait to announce another winner for the NE! Won’t it be nice to only have the mortgage left?

Flatbroke – Sorry that table didn’t work for you. Don’t give up on your table yet! Try again, and remember you can go back and edit your post if it doesn’t turn out the way you want it.

TPSReport – You are now under $8000! Keep up the good work!

mourningcloak (Race 2) – You can now breathe easier – Congress has passed the budget. Of course, now they have to start working on the budget that starts October 2011!

Redwagon – Yay! For freelance work! That took a huge chunk from your balance – you skipped right over the $24k’s.

Ronnyanna – Congratulations one more time on winning your race!

Constanz22 – Welcome back! I know EXACTLY what you mean about being tired of your old debts. It’s hard to remember exactly what I decided was so important that I ran up CC debt to over $50K - $50K! I look back at old statements where I was charging $500 in a month & only paying the minimum, like $60, then having interest charges of $80! (What was I thinking?)

Mom2-4Monkeys – You have made some TERRIFIC progress over the past three months – over $4000 paid!

[rpprt]

Smiley update!!!

=$100, ;D=$500, =$1,000, =$5,000, = $10,000, = $25,000, = $75,000, = $100,000, =$200,000, = Location Needed

**Updated through update #613**

BushTea28: 3/21/11 $14863.06 (2/24/10 $23026 NEU118)
Casey2525 3/28/2011 $1397.87 (12/31/07 $18,824.55 NE23)
chiver78: 4/8/11 $17,907.42 (8/20/08 $45152.97 NE266)
CLS 328: 4/5/11 $31,287.35 (12/21/08 $42,189.11 NE 397) ;D
Crisde2bdebtfree: 3/28/11 $15,625.39 (8/31/2010 16,834 NEU286)
Cushion21[2] 4/9/11 $2609.25 (5/30/09 $18,818 NE611)
DawnM: 2/28/11 $21,090 (12/31/10, $20,966, NPT2)
Delphinus317: 4/4/11 $51456 (1/19/11 $53,975 NEU4,NPT6) ;D
FitzGal 2/25/11 $34,014.62 (7/29/10, $34,936.92, NEU263) ;D
Flatbroke: 4/9/11: $27,914.97 (08/12/2007: $58,449.92 N418,N430) ;D
Foxybrown77: 3/30/11 $7480.87 (07/16/08 $80,213 NE239) ;D
freemen10: 3/8/11 $16,806.70 (1/12/10 $17,814.60 NEU44)
GirlGreen: 3/22/2011 $16812.61 (1/27/10 $22,141.63 NEU75/334)
idlecrush: 4/1/2011 $9300.90 (3/3/2010 $11417.96 NEU129)
irishsob (N20): 3/31/11 $26,778.37 (5/16/07 $62,246.08 N20)
justpayit: 3/12/2011 $21,250 (11/22/2007 $91585 N791,NE329)
Kristin11: 3/28/11 $13,074.65 (12/31/09 $16,567.73 NEU8)
lark_1964 3/1/2011 253,388.91 (1/6/09 $270674.42 NE417)
Maryland Monroe 3/11/11 $7808.41 (2/24/08 $18,435.62 NE 108) ;D
melting_debt 3/6/11:$19,621.68 (1/1/10: $30,844.93 NEU18,NEU37)
mm4nodebt 3/12/11 $28,035.78 (2/23/09 $53,443 NE496,NPT14)
Mom2-4Monkeys: 4/13/11 $46,811.67 ( $50,835.43 1/3/2011 NPT3)
Momofg: 3/10/11 $50,130.36(6/4/08 $53,106.80 NE207) ;D
Motherto2: 3/27/11 $197,463 (3/27/11 $204186 NPT19) ;D
Mourningcloak[2]: 4/11/11 $161,216 (1/10/11 $165,413 NPT5)
Munjoyhill: 4/7/2011 $144,519.78 ($155,340.30 6/18/09 NE629,NEU301) ;D
Oceanfire31: 3/19/2011 $11,853.51 (09/07/09 $22,908.15 NE679, NE692)
onmywaynow: 3/4/11 $12,583.41 (12-31-09 $32,333.40 NEU9) ;D
poohbiscit: 4/8/11 $10,495.91 (12/31/09 $12,277.25 NEU14) ;D
Raven64: 3/20/11: $49,665.57 (1/19/10 $53,326.18 NEU60) ;D
Ravenhaired: 3/31/11 $57,272.59 (12/23/09 $72,190.66 NEU4) ;D
redwagon: 4/12/11/2011 $23,796.62 (7/16/2007 $27323.79 N290) ;D
ronnyanna: 4/12/2011 $0 (5/19/2007 $37244 N50)
rpprt: 3/17/11 $22,933.92 (7/20/07 $55,547.14 N325) ;D
sbvs4you: 3/3/2011 $12,671.17 (9/10/08 $39,096.98 NE298,NE326)
sparalach: 3/1/11 $14,743 (2/8/10 $20,140 NEU93) ;D
sunshinegal1981: 2/14/2011 $98,422 (10/29/2010 $114,950 NEU326) ;D
thriftymom[2] 3/31/2011 $19,293.61 (3/25/10, $18502.12 NEU160)
TPSReport: 4/10/11 $7890.82 (1/2/10 $18228.56 NEU19)
wantanewjob: 3/12/11 $9,793.46 (1/19/10 $19,492.75 NEU60/198) ;D
Wudnit: 4/1/11 $142,706 (1/13/10 $172,190 NEU46) ;D

New member:
constanz22 (4/13/11 $12257.91 NPT20)

Congratulations to all of our racers-And a special congratulations to our newest winner in the Northeast – ronnyanna

[rpprt]

I make a point of giving someone on the current page a karma point every time I login - oceanfire is the lucky one tonight!

[onmywaynow]

UPDATE ~

onmywaynow: 4/15/11 $ 12,347.49 (12/31/09 $32,333.40 NEU9)

[ravenhaired]

Ravenhaired: 4/15/11 $56, 237.83 (12/23/09 $72,190.66)
[glow=red,2,300]Overall decrease $15,952.83[/glow]
Pittsburgh, PA NE U4


EXPENSES

Bills	Dec 2009	Dec 2010	Jan 2011	Feb 2011	Mar 2011	April 15, 2011
Mortgage	52,585.13	48,777.29	48,506.06	48,235.98	47,961.76	47,957.63
LOC	11,280.70	9,825.83	9,015.83	7,999.83	7,099.83	6,294.20
SL	5,481.90	0.00	0.00	0.00	0.00	0.00
CC1	2,232.93	0.00	0.00	0.00	0.00	0.00
CC2	0.00	0.00	0.00	0.00	0.00	0.00
Fridge	610.00	0.00	0.00	0.00	0.00	0.00
Surgery-bill 1	0.00	0.00	0.00	395.29	360.00	320.00
Surgery-bill 2	0.00	0.00	0.00	801.01	801.01	801.10
Yoga Course	0.00	0.00	0.00	1,125.00	875.00	750.00
Washer	0.00	0.00	0.00	210.46	174.99	114.99
Totals	72,190.66	58,603.12	57,524.19	58,767.06	57,272.59	56,237.83
Change: B/(W)		13,587.54	1,078.93	(1,243.37)	1,494.97	1,034.76

********

SAVINGS

Savings	Dec 2009	Dec 2010	Jan 2011	Feb 2011	Mar 2011	Apr 15, 2011
EF	0.00	1,985.02	1,763.82	2,621.52	2,671.52	2,871.52
Liquid Savings	0.00	0.00	0.00	0.00	0.00	54.85
Kansas visit – July?	190.20	0.00	0.00	200.00	292.84	392.84
Totals	190.20	1,985.02	1,763.82	2,821.52	2,964.36	3,319.21
Change: B/(W)		1,794.82	(221.20)	1057.70	142.84	354.85

Debt down by $1034.76 and Savings up by $354.85 for this pay.

I keep going back and forth in my mind justifying my focus on savings/EF vs. debt reduction or retirement. So, at the moment I’m doing both figuring I can always move the money in savings to pay debt at a moment’s notice.

My new lifestyle has resulted in a decrease spend of about $100 a week.

I am seriously considering selling my house and renting a smaller place. I am very willing to do this but not sure if I will be better off. Need to do more research.

In the meantime, I’ll just keep doing what I’m doing.


2011 Financial Goals
BS#1 – Establish 1K EF – Complete (2K)
BS#2 – Pay off LOC (In progress – Target completion Oct ??)
BS#3 – Establish 10K EF/Re-adjust retirement contribution to 10%
BS#4 –Re-adjust retirement contribution to 20%
BS#5 -- Complete
BS#6 – Pay off mortgage (approx 2018)
BS#7 – Build wealth & give
RETIRE from corporate America!


2011 Personal Goals
Complete lifestyle course – Nov 2011
Maintain daily practice – ongoing
Transition to vegan diet– ongoing
Week long retreat in CA Dec 2011 ?
Yogic teacher training program

[kristin11]

Rpprt - Thank you for all of your hard work but I think that you missed my update on 3/28 for the smiley list and shoutouts! Its number 484. Im sorry to be a pain but the smileys make me feel better about how I am doing!

[GirlGreen]

rpprt I think you missed my update too. No big deal.

post #469: GirlGreen: 3/22/2011 $16812.61 (1/27/10 $22,141.63 NEU75/334)

But, as long as I'm here I'll update again-
GirlGreen: 4/15/2011 $16718.72 (1/27/10 $22,141.63 NEU75/334)

Thanks!

[rpprt]

kristin11 and GirlGreen
OOPS! I don't have the spreadsheet with me, but it looks like your smileys are correct, just not your tagline. I have the two of you changed, and will verify the rest of the taglines from the last update later on today. (Your shoutouts were on pg. 18)
HAPPY RACING!
onmywaynow is my latest recipient!

[raven64]

Congratulations ronnyanna!!!!!! Awesome job!

[rpprt]

OK - I think I've verified the rest of the taglines. If you posted prior to Message #613 & it's not reflected in the above smiley list, please let me know.
(Karma to Kristin for catching that boo-boo!)
TGIF

[crisde2bdebtfree]

Update
Crisde2bdebtfree—4/13/2011—14,658.38— (8/31/2010 16,834 NEU286) Long Island NY

Wow I’m a little bit proud of myself I had a good month—I will have Lowes paid off before May 16—so I won’t get charged interest.



CC 1--(9.99%) 5,015.—New Bal – 4135.95
LOWES--(0%) 2,500.—New Bal— 342.23
CC 2--(9.99%) 1,248. ---New Bal –2729.17
MC--(15.99%) 4,636.—New Bal—4221.50
KOHLS-- (21.90%) -1,153.—New Bal—1168.13
MACYS—(24.50%) 1,164. –New Bal—1215.32
BML—(19.99%) 700. New Bal—545.44
DELL-- (16.24%) 418. New Bal—300.64


Begin Balance 16,834.-- This month---14,658.38--- Last Month---15,912.98
Total paid to date---2175.62----------Total Paid This Month--1254.60

[crisde2bdebtfree]

Red wagon---How did interview go?? was sending good job juju your way today!

[forwardwego]

ronnyanna BIG Congratulations for a race well run and won!!!!!!

[oceanfire31]

Yay I got a karma point! I never win anything, lucky day ;D


Oceanfire31: 4/16/2011 $11,751.99 (09/07/09 $22,908.15 NE679, NE692)

4/19/11	4/16/11	Difference
SL2: $11,853.51@ 3.2	$11,751.99	-$101.52

SAVINGS

3/19/11	4/16/11	Difference
Savings/EF $125.00	$200.00	+$75
Scotland $0	$0	$0
Moving $460	$460	+$0
Rothe @ 2.25 $847.23	$847.23$0	$0

So getting into savings mode and just turtling away on my remaining student loan. I can turtle my way to infamy I really don't care at this point. I just want a nice fat bit of savings and once I have that I can concentrate on murdering the last of my student loans. I know I am paying more interest by not getting this paid off but I am also running the risk of disaster by not having any savings. Anyway, it just feels good to finally be saving.

[ronnyanna]

Thank you all!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
It is so nice to be cheered on, to be able to be glad and you know the road it has taken.
I'm not sure how it is received if I were to tell someone here, because they don't know all the circumstances that surround the debt payoff or the many other things that are important.
With you guys, you are terrific and terrific and terrific. Thank you so much.
We have gone a little crazy celebrating here. I bought tulips, pillows for the couch and other crazy little things. My DH has torn down a feature on our stairway that always was awkward and I am ordering a new railing.
I am sure that without your help, I would've muddled through but not as soon, in fact probably not to the end. I owe you so much for helping me to stay on track and being excited for me. My children have seen this journey to the end so that we can start a new one. You are so appreciated.

[meltingdebt]

Update 4/16/11 $18,834.31 (1/1/10 $30,844.93)

4/16/11

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	$440.64	$301.73
CC #2	$1,168.00	$1,128.49	$39.51
CC #3	$9,499.62	$6,861.99	$2,637.63
BCC #1	$4,818.91	$0.00	$4,818.91
BCC #2	$13,599.19	$10,403.19	$3,196.00
Total	$30,844.93	$18,834.31	$12,010.62

Account	Original balance 01/01/10	Current Balance	Change
Savings	$0.00	$25.01	$25.01
Emergency	$0.00	$110.87	$110.87
Vacation	$0.00	$120.64	$120.64
IRA	$0.00	$61.64	$61.64
Retirement	$0.00	$1,245.80	$1,245.80
Total	$0.00	$1,563.96	$1,563.96

Sorry, I have not logged on in a while. I am just totally ashamed of the backward slide that has been going on since February. I gained $825.58 in debt (new tires, groceries, gas bill), and lost $3846.33 in savings (mortgage payment and health insurance).
I was laid off from one of my part time jobs for the month of February, one of my other part time jobs hours were drastically cut. Then I thought things were going to be much better in March, when I went to work full time, and my husband went back to work. Even though I am making more money now, with one full time job, instead of two part time jobs, I did not realize how hard it was going to be to get back on track. My anxiety about money is starting to creep back into my life, which is not a whole lot of fun.

Now if I could only drown my debt and sorrows in a bottle of wine, every now and then, life would be so much easier. Ain't no harm in trying, while I come and visit the board a little bit more often for the motivation I need.

Thank you for letting me wine, I mean whine.