shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096 
Mini-Profile Name Color: 0c3563
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Post by shanendoah on Oct 31, 2012 13:53:57 GMT -5
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,658
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Post by nidena on Nov 1, 2012 16:24:34 GMT -5
CAPTAINS: Nov 1st will be my last update til next summer. I hope to be able to post in between but I don't anticipate it being a priority while I'm gone. As soon as the mortgage payment clears, I'll be making that update.
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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 Nov 2, 2012 7:15:22 GMT -5
Nidena: Did I miss something?!?! Where are you going??
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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 Nov 2, 2012 7:36:41 GMT -5
Whoooooo Hooooooo!!! I just realized that the next time the Smiley list is posted, I will have TWO party hats!!!!! I hit the $70K paid this month!!!! Since I've been feeling a bit down about the LONG journey I'm on, I figured I need to find some things to "Smile" about and to celebrate!!!! Love the party hats!!!!!
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nodebt42
Initiate Member
Joined: May 1, 2012 11:03:50 GMT -5
Posts: 72
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Post by nodebt42 on Nov 2, 2012 9:26:37 GMT -5
| Accounts | Starting | Current | Difference | % Paid | | CC #1 | $311.08 | $0 | $311.08 | 100% | | | CC #2 | $0 | $0 | $0 | NA | | | SL #1 | $6066.89 | $1.65 | $2504.84 | 99% | | | SL #2 | $34757.95 | $34462.21 | $209.77 | 1% | | | TOTALS | $41135.92 | $34463.86 | $6672.06 | 16.2% | |
I hope this table works! NoDebt42: 11/2/12 $34,463.86 (7/31/12, $41,135.92, NE90) |
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nodebt42
Initiate Member
Joined: May 1, 2012 11:03:50 GMT -5
Posts: 72
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Post by nodebt42 on Nov 2, 2012 9:28:57 GMT -5
I messed up some differences in my table I just posted; however, the final line at the bottom should be right.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,658
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Post by nidena on Nov 2, 2012 17:14:52 GMT -5
wudnit: I'm headed to U-pick-a-stan for six months and leaving this month.
UPDATE: nidena: 11/02/2012 $168858.86 (8/22/2007 $223361.2 N453,503,NE648,NPT25)
It's up from the HARP refi still but, I know, will go down in time. My monthly payments are $200/mo lower and that's helping me to contribute a whole buttload to my Roth for this year--only $1300 more to go for 2012. While deployed, I'll be taking big advantage of the Savings Deposit Program and plan to use that to fund my 2013 Roth. The SDP can be used only while deployed and must be transferred no later than two months after my return. It has a ceiling of $10k and I'll be doing my darndest to reach it. Shouldn't be too difficult since I'll be tax-free and receiving a few other allowances over there.
Have a great winter and spring!
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Maryland Monroe
Established Member
Joined: Dec 23, 2010 16:52:51 GMT -5
Posts: 460
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Post by Maryland Monroe on Nov 4, 2012 7:45:50 GMT -5
Best wishes to you during your deployment, nidena!
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Deleted
Joined: Dec 4, 2024 20:40:04 GMT -5
Posts: 0
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Post by Deleted on Nov 4, 2012 14:43:32 GMT -5
Take care of yourself and keep safe Nidena.
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Nov 4, 2012 17:49:09 GMT -5
Thank you for your service, Nidena!  |
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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 Nov 4, 2012 20:49:38 GMT -5
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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 Nov 5, 2012 7:47:51 GMT -5
Update: 11/5/12 $139,671.58 ($155,340.30 6/18/09)
HELOC $19,153.96
Mortgage $120,517.62
My numbers are up about $3,700 in my HELOC because of work I had to have done to my house to sell it. I had the cash to pay for the work (new septic tank and painting the trim), but decided to use the HELOC, figuring it would be wiped out once the house was sold. So I took a minor step backwards using the HELOC to leave my savings alone.
My house is still under contract, but I found last week that we were not able to close by October 31. I have granted an extension to the buyer until November 20, but at the same time it's back on the active market. The process has been a nightmare, the young guy who is buying my house has a type of federally backed loan that requires him to jump through so many hoops, and they let him know early last week that he needs to get a few more estimates on work they want him to do on my house (minor stuff), and his estimates are suppose to be done and submitted no later than November 6 (tomorrow), then we can close. Or so we hope . . . which is why my real estate agent thought it best to put it back on the active market.
I am still hoping that this week I will get a closing date. I am frustrated by this process, I was told that the loan officer who this young guy is dealing with never closes on time, always has to have an extension. So between all the inspections and this loan officer dragging her feet I'm ready to scream! But I remain optimistic . . .
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Deleted
Joined: Dec 4, 2024 20:40:04 GMT -5
Posts: 0
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Post by Deleted on Nov 5, 2012 15:31:00 GMT -5
Munjoy
How frustrating! I hope the sale goes through relatively quickly, either with this person or somebody else.
Are you planning to pay off or down your current mortgage with the proceeds from the house?
Good luck!
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dschmidt1007
New Member
Joined: Aug 6, 2012 13:51:33 GMT -5
Posts: 30
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Post by dschmidt1007 on Nov 6, 2012 11:16:24 GMT -5
UPDATEdschmidt1007, 11/06/12, $108,703.15 (8/7/12, $110,668.68, NE90) | DEBT | STARTING DEBT | INTEREST RATE | CURRENT DEBT | MINIMUM PAYMENT | DIFFERENCE | | United Teletech Loan | $6,893.40 | 6.99% | $6,405.19 | $202.24 | $488.21 | | BoA - RCCL | $21,495.01 | 6.99% | $23,985.78 | $385.00 | $(2,490.77) | | D's Car | $19,706.13 | 2.99% | $18,336.10 | $510.00 | $1,370.03 | | W's Car | $25,265.93 | 0.90% | $23,673.40 | $550.00 | $1,592.53 | | Sallie Mae SL | $13,609.27 | 4.38% | $13,349.72 | $138.89 | $259.55 | | Discover SL | $22,695.03 | 2.94% | $22,095.84 | $263.79 | $599.19 | | Direct Loan SL | $1,002.11 | 2.11% | $857.12 | $50.00 | $144.99 | | Total | $110,666.88 | - | $108,703.15 | $2,099.92 | $1,963.73 |
[/b][/td][/tr] [tr][/table][/center]
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raven64
Junior Member
Joined: Dec 23, 2010 13:36:06 GMT -5
Posts: 111
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Post by raven64 on Nov 6, 2012 14:51:13 GMT -5
wudnit: I'm headed to U-pick-a-stan for six months and leaving this month. nidena - Stay safe and thank you for serving our country.  |
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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 Nov 8, 2012 9:40:22 GMT -5
Nidena!! Stay safe!!! We will keep you in our thoughts and prayers.
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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 Nov 8, 2012 16:08:29 GMT -5
UPDATE! Ravenhaired: 11/08/12 $51,182.56 (12/23/09 $72,190.66) Overall decrease $21,008.10 Pittsburgh, PA NE U4 | EXPENSES | Dec 2009 | Dec 2010 | Dec 2011 | Jan – Nov 2012 | | Mortgage/LOC | 63,865.83 | 58,603.12 | 50,508.60 | 51,182.56 | | Misc Debt | 8,324.83 | | | | | Levin Furniture | | | | 249.61 | | Totals | 72,190.66 | 58,603.12 | 50,887.60 | 51,182.56 | | Change: B/(W) | | 5,262.71 | 7,715.52 | (294.96) |
| SAVINGS | Dec 2009 | Dec 2010 | Dec 2011 | Jan – Nov 2012 | | EF | 190.20 | 1,985.02 | 5,000 | 7,480.14 | | Change: B/(W) | | 1,794.82 | 3,014.98 | 2,480.14 |
1—Think less, love more 2—Invest in passionate pursuits 3—Accept what is 4—Laugh often LIFE IS GOOD! |
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mourningcloak
Junior Member
Just when the caterpillar thought the world was ending, she became a butterfly.
Joined: Jan 8, 2011 19:24:04 GMT -5
Posts: 144
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Post by mourningcloak on Nov 9, 2012 20:38:28 GMT -5
| Accounts | Start (1/10/11) | Last (10/10/12) | Current (11/9/12) | Change this month | Total Change | | PenFed Visa Gold | $5,824 | $0 | $0 | $0 | ($5,824) | | PenFed Promise | $461 | $10,733 | $11,826 | $1,093 | $11,365 | | SunTrust Auto Loan | $16,078 | $0 | $0 | $0 | ($16,078) | | PenFed Auto Loan | $0 | $9,216 | $8,974 | ($242) | $8,974 | | Mortgage | $143,050 | $138,615 | $138,395 | ($220) | ($4,655) | | PenFed LOC | $0 | $8,949 | $8,798 | ($152) | $8,798 | | Upromise Mastercard | $0 | $953 | $1,062 | $109 | $1,062 | | Totals | $165,413.00 | $168,467 | $169,055 | $587 | $3,642 |
mourningcloak (Race 2): 11/9/12 $169,055 (1/10/11 $165,413 NPT5) Up from after the wedding, but down from my last pay. So while I thought we hit the top before, hopefully we really truly on back on the down side!! We have my birthday and Christmas, then taxes coming up, plus possibly a work bonus, so between all of that we should be able to focus on getting rid of some stuff. |
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Maryland Monroe
Established Member
Joined: Dec 23, 2010 16:52:51 GMT -5
Posts: 460
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Post by Maryland Monroe on Nov 10, 2012 5:50:08 GMT -5
| Update | 2/24/08 | 11/10/12 | Paid | % Paid | | Card A | $9,746.38 | $1,661.50 | $8,084.88 | 82.95% | | Card B | $1,218.41 | $0.00 | $1,218.41 | 100.00% | | Card C | $5,656.86 | $1,612.87 | $4,043.99 | 71.49% | | Card D | $1,813.97 | $0.00 | $1,813.97 | 100.00% | | Total | $18,435.62 | $3,274.37 | $15,161.25 |
[/color] [/td] [td] 82.24% [/td] [/tr] [/table] Maryland_Monroe 11/10/12 $3,274.37 (2/24/08 $18,435.62 NE 108) |
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irishsob
New Member
Joined: Dec 29, 2010 7:23:44 GMT -5
Posts: 32
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Post by irishsob on Nov 10, 2012 18:04:57 GMT -5
UPDATE
as of 5/16/07 (1st post) as of 9/30/12 as of 10/31/12
cc #1: $3,878.37 $0.00 $0.00
cc #2: $13,498.94 $0.00 $0.00
cc #3: $17,226.41 $21,821.75 $21,598.73
cc #4: $21,992.36 $0.00 $0.00
auto: $5,650.00 $0.00 $0.00
Total: $62,246.08 $21,821.75 $21,598.73
Monthly Change ~ -$223.02
Total $ Paid-to-Date -$40,424.33 -$40,647.35
%-age Paid-to-Date ~ 65.30%
irishsob (N20): 10/31/12 $21,598.73 ($62,246.08 5/16/07)
Forward progress again.
All the best!
IrishSOB
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redruby
Established Member
Joined: Dec 29, 2010 8:44:24 GMT -5
Posts: 270
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Post by redruby on Nov 11, 2012 10:11:27 GMT -5
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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 Nov 11, 2012 13:20:35 GMT -5
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,658
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Post by nidena on Nov 11, 2012 15:05:53 GMT -5
I've been running the numbers and I should be able to max my SDP in about three months. It costs me only $1800 for all my bills each month (while I'm gone which means I'm not budgeting for food or gasoline). That's about 1/3 of my monthly income. Since I plan on transferring from my SDP to my Roth when I get back, I won't need to budget for that in the three remaining months that I'm gone. I'm thinking my best bet is to just save as much money as I can and then divvy it out when I get back to the Roth, the fully funded emergency fund, and then paying off a chunk of the truck I just bought. ($11,500 @ 3.99% for 60 mo w/no early payoff fee and payments of $213/mo). I might be adding the balance of the truck to my race when I get back and settled but we'll see how everything plays out. There's quite the potential for me to save about $20,000 on this trip.  |
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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 Nov 11, 2012 15:22:35 GMT -5
Here 'tis... | | Original | 11/1/2012 | | | | | | Car | 5027.43 | | | Sears | 585 | | | Ch 13 | 36,660.00 | 28,106.00 | | Mortgage | 153,320.00 | 147,390.74 | | Wells Fargo | 4,819.00 | 4,819.00 | | Prepgate | 31,688.00 | 31,688.00 | | | | | | | 232,099.43 | 212,003.74 |
lark_1964: 11/1/2012 $212,003.74 (5/17/2007 $232,099.43 N29,NE61,NEU176,NPT86) |
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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 Nov 13, 2012 19:17:34 GMT -5
Can someone tell me something - what is with the bugs at the top of the page, now? I mean... they're... gross...?  |
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poohbiscit1
Established Member
Joined: Dec 21, 2010 11:59:56 GMT -5
Posts: 307
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Post by poohbiscit1 on Nov 14, 2012 6:29:25 GMT -5
Update: poohbiscit1: 11/13/12 $6012.05 (12/31/09 $12,277.25 NEU14)
Still plugging along. Debt reduction has slowed for the holiday season but that was expected. Happy Racing Everyone!
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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 Nov 14, 2012 9:05:29 GMT -5
Am I missing something? Bugs?? I don't see bugs!!!
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shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096
Mini-Profile Name Color: 0c3563
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Post by shanendoah on Nov 14, 2012 11:25:32 GMT -5
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redkitty
Established Member
Joined: Dec 6, 2012 10:09:21 GMT -5
Posts: 302
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Post by redkitty on Nov 14, 2012 14:39:39 GMT -5
Update: Redkitty 11/14/12 $11,895 (07/27/12 $12,515 NE90)| DEBT | INT RATE | START | CURRENT | TOTAL PAID | | 1 | 0.00% | $4,915.00 | $7,245.00 | ($2,330.00) | | 2 | 0.00% | $7,600.00 | $4,650.00 | $2,950.00 | | Total | | $12,515.00 | $11,895.00 | $620.00 | |
I will be going backwards for a few months, I have a bunch of expenses like bdays and xmas that I will be adding on to the 0% card for the time being. It hurts to see the balance going up but I don't want to use savings when I have a 0% card at my disposal! |
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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 Nov 15, 2012 8:51:09 GMT -5
UPDATE! Ravenhaired: 11/15/12 $50,852.07 (12/23/09 $72,190.66) Overall decrease $21,188.98 Pittsburgh, PA NE U4 | EXPENSES | Dec 2009 | Dec 2010 | Dec 2011 | Jan – Nov 2012 | | Mortgage/LOC | 63,865.83 | 58,603.12 | 50,508.60 | 50,852.07 | | Misc Debt | 8,324.83 | | | | | Levin Furniture | | | | 149.61 | | Totals | 72,190.66 | 58,603.12 | 50,887.60 | 51,001.68 | | Change: B/(W) | | 5,262.71 | 7,715.52 | (114.08) |
| SAVINGS | Dec 2009 | Dec 2010 | Dec 2011 | Jan – Nov 2012 | | EF | 190.20 | 1,985.02 | 5,000 | 7530.44 | | Change: B/(W) | | 1,794.82 | 3,014.98 | 2,530.44 |
1—Think less, love more 2—Invest in passionate pursuits 3—Accept what is 4—Laugh often LIFE IS GOOD! |
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