Post by seriousthistime on Dec 29, 2010 10:01:26 GMT -5
Testing, testing -- this is my last update posted on the original WIRR board. There is no change to any of the numbers. I just wanted to test it and see how it goes here. The columns are all messed up, so I needed to reformat a bit.
Post by seriousthistime on Dec 29, 2010 10:03:51 GMT -5
Boo - it didn't work! I copied and pasted from my perfectly formatted Excel. Does anyone have a recommendation for how to do this? Or should we do only tag lines on this board? When I pasted in my copied spreadsheet info, it was slightly messed up. When I posted, it got all jumbled and as far as I'm concerned, unreadable. And if I can't read my own update, how can I make sense of anybody else's?
Post by turbothumper on Dec 29, 2010 10:41:41 GMT -5
Okay, I have to try an update too. This is the one I justed posted on MSN. 7/31/2009 11/24/2010 12/29/2010 Diff Last Post Total Diff UNI (SL) 131.35 - - - 131.35 Cap One 577.42 - - - 577.42 Discover 2,289.03 - - - 2,289.03 B of Am 6,231.07 - - - 6,231.07 Chase 2,839.41 - - - 2,839.41 Car 8,729.79 - - - 8,729.79 ISLLC (SL) 32,878.83 30,961.69 30,688.72 272.97 2,190.11 Direct (SL) 29,260.21 28,296.72 28,223.89 72.83 1,036.32 TOTAL 82,937.11 59,258.41 58,912.61 345.80 24,024.50
TurboThumper 12/29/10 $58,912.61 (7/31/09 $82,937.11, M1053) This is exactly how it pasted from excel, I am not going to change a thing.
So! No wonder all my finances are messed up. My start numbers were not correct. With help from my friend, I have it figured out how to do it. I won’t get in to detail of how it got all out of whack or explain the problems in my calculations. With Karla’s help, I figured out the way I need to actually record the balances. Per statement- not per “current” balance. Hope everyone had a Merry Christmas! Let’s make 2011 a great year!
I have only posted my updates 3 times this year, but always look forward to reading everyone's messages and tips for saving/paying debt. I appreciate you all and am excited to start the new year on this board!
Post by soccermom15 on Dec 30, 2010 14:04:47 GMT -5
So I want to totally re-start my race next week after I get a few last statements. Do I just post the new numbers or post the old ones with the new ones?
Except for the fact that we had to buy a new-to-us car this week (DH's car just won't last as long as we had hoped - we're going to donate it to the Salvation Army next week), things appear to be looking up for us for 2011. I was able to get our PLUS loans deferred until after DS graduates - didn't really want to put them off, but right now we need the money for the new car payment. And we have enough money to be able to pay cash for his books for the spring semester. That's $350 that WILL NOT be going on the CC!
Post by radiologygirl on Dec 30, 2010 17:09:08 GMT -5
holy crap, holy crap, holy crap.... I had to have some medical scans this last month and hadn't recieved the bill yet.... WELL I JUST DID!
It was about double what I thought it would be and I am having a major panic attack! It was $2,795 dollars for 1 CT scan... I'm a full time student and a my DH supports us.... I HATE insurance.. this barely put me at my deductible AND its the end of the year....
Post by lttlwhitetanktop on Dec 30, 2010 17:16:10 GMT -5
In case you read this before you read MSN - email me at ashwads9 [at] hotmail [dot] com. I registered a name for you as bankergurl (no space). I hope this was ok. You can go in and change your email address and password after you log in with the password I made. However, I didn't know your birthday, so you have a made up one that I'm not sure you can change! Sorry! :-D
Radiologygirl - welcome! Don't panic about your medical bill. Med bills are the worst, but check with you dr office and they'll likely let you do a payment plan. Spreading out the payments over the year or even six months will likely be easier on your budget then a lump payment.
Cajuda, nice update!! You and I started around the same time this year, and we're both very close in our total starting amount, and current amount. I hope we have nothing but zero's for these debts next 12/31.
Post by dizzyintellectual on Dec 31, 2010 19:11:53 GMT -5
Radiologygirl - yeah, don't sweat the bill. When I get a large medical bill, I don't even call to see if they'll set me up with a payment plan. I just started sending in $50-$100 bi-weekly until it's paid off. Usually medical providers have automated systems where you really only come to their attention if you've paid nothing on the bill. Sometimes they might contact you, but if you've been making payments, they won't send you to collections. At least it's never happened to me and I've had plenty of bills between my husband and myself. Good luck! Take deep breaths
Post by radiologygirl on Jan 1, 2011 13:20:54 GMT -5
Update- Radiologygirl- 1/1/11, $31445, MU3 New Board) (12/29/10, $28650, MU747)
Old New CC #1 $450 $450 CC #2 $250 $250 Student Loan $26000 $26000 Medical Bills $1500 $4295 Dentist $450 $450
Ok so this is definitly not the way that I wanted my first update to go! But I have overcome my panic over the medical bill. I worked up the courage to call them yesterday and we have set up a payment plan. The lady wasn't very nice when I refused to allow them to open a medical loan (those charge interest!) but we worked out a 1 year payment plan... feel like I can breath now!
radiologygirl - Great job with the payment plan! I hope you can read back your post and catch the fantastic lessons that you put to use and be proud of yourself! You were scared to confront the medical office but you called them anyway with a goal in mind, took charge of the conversation even when they wanted you to take out an interest-charging loan and you ended up with the result you wanted! Honestly, calls like that and the lessons learned are what this board is all about. Facing fears is terrifying but taking charge is the only way we'll ever overcome them. After all was said and done, don't you feel more empowered now? Great start to WIRR and 2011. I had a fun night last night, didn't spend a lot of money, woke up today without a hangover and went to a great zumba class (shows how amazing our instructor is to have a full class of excited students on New Years Day morning!) and then had a lazy day at home with some TV and my kitties. I made low-fat turkey pot pie with leftovers so I have a few dinners ready for this week. I'll make a lemon chicken with artichoke dish tomorrow and be set for most of the week. I still need to figure out 10 goals for 2011!
Hey all! Was just on the MSN boards and for the first time the Midwest Racers were on the bottom of the 2nd page...always be on at least the first and usually right near the top. Guess some of the others haven't made the move yet. Anyway, just testing and will be reading and chattin with ya soon!
Just reviewed my Dec. banking statement. My DH and I refinanced a couple years ago at 4.99%. My next payment's due April 21. ($424/month) My car loan I'm racing isn't due until Sept. ($240/month). I am wondering if I should postpone those payments until they're actually due and pay off CC debt since those are much higher percentage wise. What do you guys think? I bring home about $2800/month and my DH brings home about $1200. I have $14,107 of CC debt and would need to pay $260/week to pay them off by Dec. 31st. I have a dividend check for $560 which I'll deposit and make payments towards my Ed. Jones CC. I'll probably still make small payments to the mortgage since I won't want to play 'catch up' later. I've paid approx. $230/week 'racing' so I definitely think it's doable. Oh yeah, when I start teaching my CC class, I'll bring home an extra $500/month approximately. So...should definitely be doable. Will want to get the EF up to $2000 too to cover taxes and other things. This is getting lengthy so will stop. It sure helped me to type this out, crunch numbers, etc. Thanks for you input in advanced.
Cajuda - I would keep taxes separate from EF. They are not an emergency - you know they are coming & you can plan for them. You don't want to drain your EF for taxes, and then need to use it for an actual emergency
The loans will continue to accrue interest while you don't pay on them. To be sure its ok to miss payments, contact the bank. Even though you are ahead, they sometimes still require the minimum payment. You wouldn't want to "default" on the loan because you missed the payments. I would keep with min payments on everything but one card, and attack that with all the extra you can scrounge up each week/month/paycheck. Then keep snowballing onto the next.
Post by seriousthistime on Jan 2, 2011 13:23:33 GMT -5
I am considering doing Mint.com. What do those of you who use Mint think of it? Is it really secure? I wonder if it is wise to put all my financial information on one website and give that website my usernames and passwords for all my financial accounts. I understand it is read-only access and even _I_ can't transfer money in and out and between those accounts through Mint, but still ... what happens if someone hacks into Mint, gets my passwords, and then goes to the individual websites and cleans me out??? I don't understand how internet security works, really, so I am concerned about this (and about being cleaned out, LOL). Would love some feedback. It sure would be nice to have automatically updated information on everything. What a time-saver!
Hey Serious - I don't use Mint (I can't believe I'm actually typing this but I feel I don't have enough bills and don't need more help tracking things things just yet, I'll probably start when I get a mortgage) but so far everyone that uses it likes it and has no complaints about the security. I've seen a lot of posts on the various WIRR boards. Sam814 uses it here and has for a while. I hear it's a little bit of work to set up but once it's set, everyone seems to enjoy it.