Women in Red Racers - Northeast Region

[rpprt]

ourtimetoshine2010 - I could not leave you there with NO karma points, so........

[ourtimetoshine2010]

Thank you!!! Actually, the numbers were different because I transposed the Citi balance it's really 5192.28.

[lark1964]

Wow. I need this man to shop for me. How to live "the high life" on $30K...

finance.yahoo.com/news/First-Person-Living-Six-ac-2328933919.html?x=0

[lark1964]

Yeah. Sure. Let me whip out $25,000 a day for this. (No sour grapes HERE, no way!)

royalwedding.yahoo.com/photos/sets/1220/Will-and-Kate%27s-royal-honeymoon%3a-prepare-to-be-jealous.html

:: grumble ::

[justpayit]

Update:
justpayit: 5/12/2011 $19,790 (11/22/2007 $91585 N791,NE329)

Below 20K, but slowing heading into summer - sigh.

[onmywaynow]

UPDATE:

onmywaynow: 5/12/11 $11,875.65 (12/31/09 $32,333.40 NEU9)

[crisde2bdebtfree]

Update
Crisde2bdebtfree—5/12 /2011—14,165.94— (8/31/2010 16,834 NEU286) Long Island NY

My First ZERO Balance!!!!!!!! I’m on the right track—I will pay off Dell next month. I can see what I’m doing wrong, the cc’s I am still using are the ones that are not going down—So this month and hopefully going forward I will try my best to not use any cc’s at all. I have my EF account back up to 1400.00 that should cover me for the unexpected, I have to work on staying out of the Malls.


Start Bal New Bal Paid to Date Change this Month


MC 4,636. 4179.78 454.22 41.72
CC 1 5,015 4074.71 940.29 61.24
CC 2 1,248. 2821.95 -------- (41.95)
KOHLS 1,153 1123.13 29.87 45.00
MACYS 1,164. 1293.56 --------- (77.64)
BML 700. 515.09 184.91 30.35
DELL 418 157.72 260.28 142.92
LOWES 2,500. 0.00 2,500.00 342.23



Begin Balance 16,834.-- This month---14,165.94--- Last Month---14,658.38
Total paid to date---2668.06----------Total Paid This Month—492.44

[crisde2bdebtfree]

Sorry about my messy post. I tried to delete message so I could redo but the post would not delete--I'll be neater next Month--If I ever learn how to do tables.

[poohbiscit1]

Update

poohbiscit: 5/13/11 $10,325.28 (12/31/09 $12,277.25 NEU14)

Budget is tight the next couple of months with Birthdays but at least no CC is being used. Gas prices are not helping any either but at least they have started to drop again.

[rpprt]

Shoutouts through Message #759

onmywaynow – You are my first shoutout again…Congrats on that second party hat – I told you it would look good!

Kristin11 – Nice decrease this month! Be sure to check the balance transfer fees when doing those transfers, to make sure it’s worth it to you in the long run.

Ravenhaired – Don’t get yourself down. Almost $1400 paid off in one month is great progress. You could post once a month if you wanted to see it all in one update.

GirlGreen – Another nice update! Do you think you will be under $16K for your next update?

irishsob – I Love to see your updates. It seems hard to believe we have been racing for 4 years! (Happy WIRR Anniversary!) And, I see you’ve moved up to rabbit intensity!

Casey2525 – You are getting SO CLOSE to winning! Maybe 2 more months…What are your plans after hitting that magical number 0?

Raven64 – Sorry to hear about Murphy coming to visit. I’m so happy that your Dad is OK. Family first, always. How did the budget talk go?

WUDNIT – You are moving ahead at lightning speed – That camp mortgage will be at 0 in no time at all.

Idlecrush – Sorry to hear about the job going under. Any word on that state job you applied for?

Munjoyhill – You are not the only one feeling impatient about getting rid of their debt, me too. (And I’m sure I’ll get a lot of Amens from the rest of the WIRR.) Just remember – slow and steady wins the race. If your job becomes stable again, you can always apply that nice chunk of savings to your mortgage or heloc.

Wantanewjob – Congrats again on winning your race & getting that new job! It’s great to get the support here, not just from the Northeast, but from all over the world!

nidena – WELCOME BACK! We have truly missed you. If you need help with tables, just post a message, and one of us can post an attachment to help you along.

Delphinus317 – Yeah for no bankruptcy! Congrats to DH on his new job. I’ve got your number revised. Happy racing.

Constanz22 – Not sure if anyone else posted a reply, but IMHO I would use $1200 to get those crucial maintenance repairs done for your home & then use the balance to pay off the highest credit card. This is assuming that a) Your CCs aren’t closed. and b) You have an EF in place. Savings rates are pathetic compared to what you are paying on your CCs.

OurTimeToShine2010 – WELCOME BACK! I’m feeling really good right about now, 2 racers have returned in one week! Your tagline would look like this: OurTimeToShine2010: 5/10/11 $19,310.90 (4/23/10 $28,066.29 NEU193,NPT25)

Justpayit – Congrats on being under $20K! I know you’re anxious to be done with this debt (See above post to munjoyhill – Can I get an Amen?) You truly are on the downhill slide! Patience, patience, patience.

Onmywaynow – Hey, 2 updates! Way to chip away at that total.

Crisde2bdebtfree – Congratulations on your first zero! That Kohl’s card is just begging to be your second!

Ravenhaired – Another poster with 2 updates! I LOVE IT! Once you apply that check from B’s sis, you will feel a lot better, I guarantee it!

Poohbiscit – Congratulations on not using CCs. I feel you on the gas prices. I’m glad I don’t have a long commute. Hey – it looks like you will be under $10K real soon!

[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 #759**

BushTea28: 3/21/11 $14863.06 (2/24/10 $23026 NEU118)
Casey2525: 4/30/11 $810.33 (12/31/07 $18,824.55 NE23)
chiver78: 4/18/11 $9,994.97 (8/20/08 $45152.97 NE266)
CLS 328: 4/5/11 $31,287.35 (12/21/08 $42,189.11 NE 397) ;D
Crisde2bdebtfree: 5/12/2011 $14,165.94 (8/31/2010 16,834 NEU286) ;D
Cushion21[2] 4/9/11 $2609.25 (5/30/09 $18,818 NE611)
Delphinus317: 5/9/11 $53,960 (1/19/11 $53,960 NEU4,NPT6,NPT25)
Flatbroke: 4/9/11: $27,914.97 (08/12/2007: $58,449.92 N418,N430) ;D
Foxybrown77: 04/27/11 $6,500.08 (07/16/08 $80,213 NE239) ;D
GirlGreen: 4/29/11 $16,434.88 (1/27/10 $22,141.63 NEU75/334) ;D
idlecrush: 5/4/2011 $9171.99 (3/3/2010 $11417.96 NEU129)
irishsob (N20): 4/30/11 $25,646.62 (5/16/07 $62,246.08 N20) ;D
justpayit: 5/12/2011 $19,790 (11/22/2007 $91585 N791,NE329) ;D
Kristin11: 4/29/11 $12,869.30 (12/31/09 $16,567.73 NEU8) ;D
lark_1964: 4/18/11 $252,060.43 (1/6/09 $270674.42 NE417) ;D
Maryland_Monroe 4/24/11 $7438.05 (2/24/08 $18,435.62 NE 108) ;D
Melting_debt: 4/16/11 $18,834.31 (1/1/10: $30,844.93 NEU18,NEU37)
Mom2-4Monkeys 4/26/2011 $46,428.24 ($50,835.43 1/3/2011 NPT3)
Momofg: 04/18/11 $49,876.96 (6/4/08 $53,106.80 NE207)
Motherto2: 04/19/11 $212,367 (3/27/11 $214,188 SPT37,NPT22) ;D
Mourningcloak[2]: 4/11/11 $161,216 (1/10/11 $165,413 NPT5)
Munjoyhill 5/4/11 $144,183.06 ($155,340.30 6/18/09 NE629,NEU301)
Nidena: 5/8/11 $186,692.63 (8/22/07 $223,361.20 NPT25) ;D
Oceanfire31: 4/16/2011 $11,751.99 (09/07/09 $22,908.15 NE679, NE692)
onmywaynow: 5/12/11 $11,875.65 (12-31-09 $32,333.40 NEU9)
OurTimeToShine2010: 5/10/11 $19,310.90 (4/23/10 $28066.29 NEU193,NPT25) ;D
poohbiscit: 5/13/11 $10,325.28 (12/31/09 $12,277.25 NEU14) ;D
Raven64: 5/1/11 $49,728.25 (1/19/10 $53,326.18 NEU60) ;D
Ravenhaired: 5/13/11 $55,465.54 (12/23/09 $72,190.66 NEU4) ;D
redwagon: 4/12/2011 $23,796.62 (7/16/2007 $27323.79 N290) ;D
rpprt: 4/18/11 $22,164.74 (7/20/07 $55,547.14 N325)
sbvs4you: 4/25/11 $12,257.30 (9/10/08 $39,096.98 NE298,NE326) ;D
sunshinegal1981: 4/20/2011 $94,678 (10/29/2010 $114,950 NEU326)
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: 5/4/11 $0 (1/19/10 $19,492.75 NEU60/198)
Wudnit: 5/3/11 $140,390 (1/13/10 $172,190 NEU46) ;D
One new member:
constanz22: (4/13/11 $12,257.91 NPT20)
Congratulations to all of our racers!

[rpprt]

Good News Racers!
We will start having shoutouts and smiley lists EVERY WEEK! A big thanks goes out to chiver78, who has agreed to help me with the spreadsheet & postings. Please take it easy on her, she was trained last summer, but never got a chance to put her work into action. Some things have changed since then, so she has a little bit of learning to do, plus who can remember stuff from last summer?! The NE RSOTU will be done once a month, at the end of the month.

[poohbiscit1]

Thanks for all your work rpprt and thanks in advance to Chiver78. Smiley lists make it so much easier to help Minnesotagirl with the 5.5-25K list.

[mom2-4monkeys]

UPDATE:Mom2-4Monkeys $45,928.24 5/13/2011 ( $50,835.43 1/3/2011 ) NPT3

Debt	Original 1/3/11	4/26/2011	5/13/2011	Paid
Capital 1	$3,022.42	$450.00	$-	$3,022.42
Raymour	$463.61	$-	$-	$463.61
Truck	$7,821.24	$6,655.08	$6,655.08	$1,166.16
Cambridge	$3,055.00	$2,850.00	$2,800.00	$255.00
BOA	$7,917.17	$7,917.17	$7,917.17	$-
Discover	$15,981.92	$15,981.92	$15,981.92	$-
Sears	$12,574.07	$12,574.07	$12,574.07	$-
Totals	$50,835.43	$46,428.24	$45,928.24	$4,907.19
Savings	$-	$1,577.08	$962.14

[mom2-4monkeys]

OH Man.. I just missed the update by hours...

Oh well, I am happy to say that I have my second ZERO!! Although my savings went down thanks to Murphy visiting me & my Truck, but I was ready and had cash to pay!! That felt SOOOO good.

Thanks rpprt for doing the list!!

[IrishMaude]

Hi all. Just dropping in to say that we closed on our house yesterday and what a battle it was! We were victorious and it feels great. ;D Once we get the ball rolling with renovations and living there full time, I will probably start our second race. I have to decide if I want to do just mortgage or just student loans - or both. Either way, it will be hefty.

Have a great weekend all!

[rpprt]

IrishMaude
Congratulations on owning your own home! Cheers!

[foxybrown77]

IrishMaude: Congrats on the house!

Rppt: Thanks for the smiley list. Definitely my Friday treat (so far). LOL

[ourtimetoshine2010]

It's so nice seeing my name back on the list. Thank you so much Rpprt!!!

[raven64]

Raven, I gotta say, I love getting hugs, but a "bug hug" is just - you put the biggest grin on my face with that typo!! I had to give you karma just for that!!.

LOL! Whoops! Made myself laugh, too.

[raven64]

Raven64 – Sorry to hear about Murphy coming to visit. I’m so happy that your Dad is OK. Family first, always. How did the budget talk go?

Thanks! The budget talk wasn't so bad. We might be a bit short for the month but we'll work it out. DH gets 5 paychecks in June so that will help. The thing really blowing our budget to heck is gas. All the extra driving to see my Dad isn't helping but I have to go visit him. I hope the price starts to drop soon.

[raven64]

May 13, 2011 9:38:56 GMT -5 IrishMaude said:

Hi all. Just dropping in to say that we closed on our house yesterday and what a battle it was!

Woohoo!!!! Congratulations!

[mm4nodebt]

Debt	Amount 2/23/09	1/8/2011	Current 5/13
MBVT CC	$3,450.00	$-	$1,424.39
Mom 0%	$-	$4,680.00	$4,660.00
Ford 6.5%	$5,930.00	$4,717.00	$-
Chevy 6.5%	$8,646.00	$4,289.31	$-
Harley 5%	$15,807.00	$11,098.15	$-
Tractor 5%	$-	$-	$19,154.94
Totals	$33,833.00	$24,784.46	$25,239.33

mm4nodebt 5/13/11 $25,239.33 (2/23/09 $53,443 NE496)
Sorry about the lack of postings lately. Murphy has struck me big time. Repairs to all our vehicles (three of them). The good news to report, we did pay off the Ford. Left of the attack is my credit card (been used for parts for the vehicles), Mom and then the tractor. Need to building up my emergency fund to avoid the use of the credit card. The only saving grace is the credit card is 0% until March of 2012. See ya next month.

[constanz22]

Update:
constanz22, 5/14/11, $11,432.31 (4/13/11, $12257.91, NPT20)
My update looks better than it really is. Most of my decrease was due to paying CC's with part of a personal loan, that I'm not racing. But, it was a good move in the long run. I am going to do the one home repair, should be around 1200, but could be more. Once that's done, any extra I have from the loan, I will throw on another CC.

Just found out this week that I may be out of work for 4-6 weeks for surgery. I have to look into it some more, but, as long as I can use sick time for it, I have plenty to cover it and will get full pay. If not, if they make you do ST disability or some wacky thing like that, it could be a problem. Have to look into it some more and make a plan.

[mourningcloak]

I'm a couple days late on my update but here it is. Made some decent progress this month, though most of it is just a move of money paying down some debts with student loans. Still I made a $600 gain myself so that was exciting to see.


Here’s the current numbers:

Account	Start (1/10/11)	Last (4/11/11)	Current (5/14/11)	Change this month
PenFed Visa Gold	$5,824	$3,208	$0	($3,208)
PenFed Promise	$461	$422	$855	$433
SunTrust Auto Loan	$16,078	$15,149	$14,634	($515)
Mortgage	$143,050	$142,437	$142,232	($205)
Total	$165,413	$161,215	$157,721	($3,494)

mourningcloak (Race 2): 5/14/11 $157,721 (1/10/11 $165,413 NPT5)

Things are looking up slowly but surely. My fiancee hasn't found a job yet, but my ex has finally managed to get a job and with the threat of being thrown in jail has finally started paying his child support again. In a month, I'll hit my three year mark and get a decent raise. Plus I'm looking at the possibility of a bonus for passing my CPA exam (God willing that I pass it this month!!) and a bonus for getting my masters when I'm done next month. So I'm hoping to knock some more debt down or at the least not go backwards if we have to start paying on anything for the wedding.

[lark1964]

OK. Indoors with rain day. Cleaned my kitchen THOROUGHLY. I mean, I did the refrigerator, and the cabinets. Only got online about 20 minutes ago, which is just amazing for me.

And - I did a little cooking, a little baking, did a little experimenting with recipes, cuz... when you can't go out, you may as well entertain yourself, yes?

Cuz truth to tell, I'm getting really tired of aspartame and fake stuff in my food.

So, here's the outcome, this is something I've been flirting with for awhile. And I like it!

1 can of pumpkin (15 oz)
2.5 - 3 cups of wheat flour
1 cup dry oatmeal
2 packets yeast
2 tsp to 1 tbl salt (I prefer the 2tsp, but that's me)
1/4 cup honey

I let the breadmaker do the "mix only" cycle first, that mixes it thoroughly - pumpkin is soft, after all, and I can tell if I need to add the extra half cup of flour or not, too. Then I put it on the bake cycle, and I get savory, flavorful bread: and it's completely fat free, minimal sugar, and it works for toast, tastes fine with chicken, tuna, etc. It's also a good dense, soft bread!

Wheat is a heavy flour, there's also oat flour, which I expect would also be good. Any kind of heavy flour, I think something like rice flour would probably not work.

I've also been trying tomato variations, I'd like to make a good bread for pastas, etc., but tomato paste is thicker than pumpkin, whereas if I use sauce, that means less sauce or more flour. Thus far, I haven't found juuuuuuuust the right balance - but I will!

[DVM gone riding]

Updated 50-100K List

Wow everyone, I am really sorry I got behind (a lot going on in real life)
But we have paid down an amazing 31877 since I last updated on April 10th

Huge congrats to MomofG for getting off the list
Cathy's Mom is over 40% paid off and had a huge update, and corresponding leap frog
Congrats to our other leap frogs: Ravenhaired, ffhope, noccar, trojen3, and sunshinegal1981

Now there are 26 of us again and we owe 1,853,304

Those of you in big regions that updated this last week I am sorry if I missed it, I mostly screen for the smile threads and update off those.

[meltingdebt]

UPDATE 5/15/11 $18,779.86 (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	$295.78	$446.59
CC #2	$1,168.00	$1,218.90	-$50.90
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	$18,779.86	$12,065.07

Account	Original balance 01/01/10	Current Balance	Change
Savings	$0.00	$25.01	$25.01
Emergency	$0.00	$172.62	$172.62
Vacation	$0.00	$79.73	$79.73
IRA	$0.00	$61.64	$61.64
Retirement	$0.00	$1,245.80	$1,245.80
Total	$0.00	$1,584.80	$1,584.80

I honestly thought I was going to be increasing my numbers since my last update. However, I made small progress $54.45 since my last update. What ever kind of progress I made, at this point, I will absolutely take it.

[bankergurl]

$100K list has been updated as of 5/15/2011! Only 2 updates this week, but they were great updates! Great job NoMoreMrDebtGuy from the West and mourningcloak from the Northeast for paying off a total of $10,071.00 this week!
notmsnmoney.proboards.com/index.cgi?action=display&board=wir&thread=2929&page=2

[momofg]

Hello All,

Sorry this month's post is late again. I have been full out lately. T-Ball started last weekend and we were still playing soccer and have 2 weeks left of dog training.

I will just be posting my tagline this month and hopefully be able to do the table again next month. My son is waiting for a story to be read.

Momofg 05/15/11 $49,449.43(6/4/08 $53,106.80 NE207)

Momofg