dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 27, 2011 15:38:54 GMT -5
Bwah ha ha, SlowbutSure!! Game ON!! You know just the kick in the pants I need...!  We really need to get that $100K thread back up - that was also a great motivator! And I could count how many payments until I passed you in a blinding scree of electronic dust!  <I really love all the cute smilies!> |
|
|
|
Post by debtheaven on Jan 27, 2011 15:40:15 GMT -5
Kahlan
Congrats from the International thread! Well done, it must feel fabulous!
FemaleSam
Thank you for your kind words, they meant a lot to me! I DID get the job today, YAY! And our accountant FINALLY wrote the letter the bank wanted about the tax issues. So we should get final word on the loan tomorrow. Fingers crossed! But this has been WAAAAYYYY too stressful, I really hope these transactions go through, but then we are DONE, no more rentals.
|
|
ambellamy
Established Member
Joined: Dec 23, 2010 10:05:26 GMT -5
Posts: 458
|
Post by ambellamy on Jan 27, 2011 15:54:22 GMT -5
Bwah ha ha, SlowbutSure!! Game ON!! You know just the kick in the pants I need...! We really need to get that $100K thread back up - that was also a great motivator! And I could count how many payments until I passed you in a blinding scree of electronic dust! <I really love all the cute smilies!> please bring back the 100k club!!!!!!!!!!!!!! I need the motivation... |
|
|
|
Post by mtntigger on Jan 27, 2011 16:05:19 GMT -5
Bwah ha ha, SlowbutSure!! Game ON!! You know just the kick in the pants I need...! We really need to get that $100K thread back up - that was also a great motivator! And I could count how many payments until I passed you in a blinding scree of electronic dust! <I really love all the cute smilies!> please bring back the 100k club!!!!!!!!!!!!!! I need the motivation... Well..... since Dragon and I are both captains, ambellamy, are you volunteering???  When I get home tonight, I'll post the table that I had copied before MSN went down.  ETA: Oops, upon thinking about it, I may not have copied down all of it, just to the level that I was at. But I'll add in the latest Western Region numbers, so at least it'll be a start. |
|
dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 27, 2011 18:22:59 GMT -5
Shoot - I didn't take a copy either (did not think ahead!). Wonder if BankerGrl did? Isn't she in the Midwest?
|
|
|
|
Post by mtntigger on Jan 27, 2011 21:03:53 GMT -5
Shoot - I didn't take a copy either (did not think ahead!). Wonder if BankerGrl did? Isn't she in the Midwest? I'm sure she did make a copy (or better yet kept her excel file). I think she's probably waiting until the threads are permanent and all the regions have official updates. It's a PITA to go through all the posts for each region since only the South and the West have done summaries/smilies so far. Here is what I came up with for the 100K+ list. It is definitely incomplete, so don't hold me to it. | Name | Region | Current Owed | Amount Paid | % Paid | $ of person before you | | exyankee | South | $100,000.00 | $242,416.71 | 70.80% | | | sunshinegal1981 | Northeast | $102,704.00 | $12,246.00 | 10.65% | $2,704.00 | | Keepin_the_faith | Midwest | $104,407.64 | $17,219.30 | 14.16% | $1,703.64 | | nasagreen | South | $106,931.07 | $37,440.63 | 25.93% | $2,523.43 | | SlowbutSure | West | $109,996.57 | $29,588.54 | 21.20% | $3,065.50 | | ambellamy [2] | West | $114,780.21 | $12,396.19 | 9.75% | $4,783.64 | | CrazyLady14 | Midwest | $119,779.00 | $21,230.00 | 15.06% | $4,998.79 | | Red Racer Ris | South | $125,770.00 | $9,134.00 | 6.77% | $5,991.00 | | pay-no-interest | South | $130,200.00 | $239,684.00 | 64.80% | $4,430.00 | | dragon2008 | West | $134,899.22 | $27,850.78 | 17.11% | $4,699.22 | | Red RUBY | South | $135,496.73 | $21,073.31 | 13.46% | $597.51 | | Munjoyhill | | $145,137.66 | $10,102.64 | 6.51% | $9,640.93 | | RunMarathons | West | $154,282.56 | $7,155.44 | 4.43% | $9,144.90 | | ridmydebt1 | South | $154,665.50 | $40,154.49 | 20.61% | $382.94 | | mourningcloak | | $165,413.00 | | | $10,747.50 | | MoodyManitoba | International | $177,375.65 | $8,430.28 | 4.54% | $11,962.65 | | Thrifty_in_MTL | International | $179,285.22 | $21,946.26 | 10.91% | $1,909.57 | | SalalSal | West | $202,995.00 | $57,249.16 | 22.00% | $23,709.78 | | tkdblkbelt_28 | Midwest | $221,678.98 | $25,342.90 | 10.26% | $18,683.98 | | lark_1964 | Northeast | $255,333.04 | $15,341.38 | 5.67% | $33,654.06 | | DizzyIntellectual | Midwest | $284,658.58 | $1,978.06 | 0.69% | $29,325.54 | | Mini4me | West | $287,416.00 | $28,012.00 | 8.88% | $2,757.42 | | NoMoreMrDebtGuy | West | $401,562.00 | $11,052.00 | 2.68% | $114,146.00 | | SuzWantstoBeFree | South | $490,920.37 | $24,707.03 | 4.79% | $89,358.37 | |
|
|
urdoingit
Established Member
May the road rise to meet you ...
Joined: Dec 23, 2010 8:04:56 GMT -5
Posts: 480
|
Post by urdoingit on Jan 28, 2011 8:11:47 GMT -5
Dragon2008: Thanks! It's been an interesting journey, and I'm still not quite believing my Race 1 is complete! I don't think I would have made it to the finish line if it weren't for the WIRR board - the support and encouragement I found were instrumental in helping me achieve this goal. Keep doing what you're doing, ladies!
|
|
cran.vodka
New Member
Joined: Dec 22, 2010 17:39:47 GMT -5
Posts: 29
|
Post by cran.vodka on Jan 28, 2011 11:26:36 GMT -5
This message has been deleted.
|
|
cran.vodka
New Member
Joined: Dec 22, 2010 17:39:47 GMT -5
Posts: 29
|
Post by cran.vodka on Jan 28, 2011 11:32:24 GMT -5
UPDATEcran.vodka[2]: 1/28/11 $30,435 (4/27/09 $55,899 W656)| | 1/28/2011 | 4/27/2009 | Monthly Difference | % PTD | | z gallerie | 0 | 1,709 | 0 | 100% | | citibank | -0- | 17,277 | 1,158 | 100% | | heloc | 30,435 | 36,913 | 777 | 18% | | TOTAL | $30,435 | $55,899.00 | $1,935.00 | 46% |
I'm officially cc debt free!!!! Yippee! In conjunction I've also managed to pay off a little over $25k on my second race.  Goals for this year: • Payoff 10k on the HELOC • Grow savings to 5k • Max out 401k Glad to see everyone at our temporary housing... Ciao!
|
|
startsmart
Senior Member
Joined: Dec 20, 2010 12:45:52 GMT -5
Posts: 4,525
|
Post by startsmart on Jan 28, 2011 13:49:21 GMT -5
Time to update! I've kinda kept my head down lately, not just because I'm in payoff mode for some other things but because I work a ridiculous amount. Even though I'll have an extra $2,000 not needed for bills this pay period I will be directing it to savings instead of paying off this little 2.5% loan.
Still, I anticipate it will be gone by June at the latest
startsmart: 1/28/2011 $2,840.96 (3/19/2008 $14157.31 W155,695)
total pay off $11,316.35
|
|
DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
|
Post by DVM gone riding on Jan 28, 2011 14:48:53 GMT -5
sbs/dragon I am sure bankergurl kept a copy she is really on top of those things. I forgot to get a copy myself for the 50k-100k club I am sure hoping someone has it cause that never got posted frequently!! Guess we will just have to keep waiting till Coffee Girl  is all back up and running!! Maybe by valentines day! 
|
|
dsunshine
Junior Member
Joined: Dec 22, 2010 17:18:41 GMT -5
Posts: 103
|
Post by dsunshine on Jan 28, 2011 15:05:56 GMT -5
Captains...
I am needing to restart my race with new numbers. This year has already not been good to me so I have decided I need to start a New Year....I will be celebrating the Chinese New Year on Feb 3 if anybody wants to join me. I will also post my new debt on that day.
What page numbering system are we using now?
cran.vodka congratulations on the ZERO!!!
|
|
DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
|
Post by DVM gone riding on Jan 28, 2011 15:10:06 GMT -5
Yippy !! It only took me forever and a day but I finally got an avatar to work!! Not the bestes pic I have of him but it will do!
|
|
DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
|
Post by DVM gone riding on Jan 28, 2011 15:13:28 GMT -5
dsunshine it would be W (for west) PT (not sure what part that means) then the page you start on-right now we are on page 7. You would still do the whole date thing as before.
Are you totally restarting your race-you will loose the "smileys" or are you wanting to start a different race and keep the first one?? If the latter you need to add a [2] after your name when you restart. If you just want a brand new clean slate. just write "restart" in big bold letters when you do it.
|
|
dsunshine
Junior Member
Joined: Dec 22, 2010 17:18:41 GMT -5
Posts: 103
|
Post by dsunshine on Jan 28, 2011 15:22:32 GMT -5
Thank you dvm07. Those are good questions...I will do the numbers and look think about it. Until you asked I was just thinking of a new slate. I will let you know next week.
|
|
|
|
Post by mtntigger on Jan 28, 2011 15:33:02 GMT -5
I copied the last version of all the Club lists (until my racing debt of $112K or so -- I was in racing spot 192  ). If anybody needs that one-month old information as a starting point, just ask. Since I went through and updated the 100K list (kinda) last night, it is going to be much easier to update the club lists only after all the permanent threads are up and running and smilies are again distributed to all the racers. I believe WPT means West Proboard Temporary. |
|
dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 28, 2011 18:32:51 GMT -5
Congrats Cran-vodka!! Great paydown!  |
|
dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 28, 2011 18:35:18 GMT -5
Congrats on the changes to your job, StartSmart! Didn't I read that you are now in charge of managing a department? Is that for just one of freelance jobs?  |
|
dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 28, 2011 18:47:45 GMT -5
Wow - didn't realize how far ahead of me you were, SlowbutSure!  I thought I had a chance.... Guess I'll just have to keep toiling away in obscurity, while you run away with the prize!  |
|
shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096 
Mini-Profile Name Color: 0c3563
|
Post by shanendoah on Jan 28, 2011 18:50:32 GMT -5
dvm: He's so cute. But then, I'm a little partial... 
|
|
dragon2008
Established Member
Joined: Dec 26, 2010 14:48:43 GMT -5
Posts: 457
|
Post by dragon2008 on Jan 28, 2011 19:10:14 GMT -5
The avatars are great pix, dvm and shanendoah!
|
|
|
|
Post by mtntigger on Jan 28, 2011 20:41:18 GMT -5
Wow - didn't realize how far ahead of me you were, SlowbutSure! I thought I had a chance.... Guess I'll just have to keep toiling away in obscurity, while you run away with the prize! Pfffttt.... considering that you are paying off your mortgage faster than I am, I'm not counting you out just yet. So, don't you even try to trick me; I'm onto you.  |
|
FemaleSam
Junior Member
Joined: Dec 23, 2010 0:20:51 GMT -5
Posts: 140
|
Post by FemaleSam on Jan 28, 2011 22:29:16 GMT -5
dvm07
I have a copy of the last 25-50K club post. It was posted by LilBall on 11/16/10. I also have a copy of the last 50-100K club post, posted by Banker Gurl on 11/18/10. If no one else has the information (which I doubt) let me know and I can get it to the people who need it.
FemaleSam
|
|
DVM gone riding
Senior Member
Joined: Dec 20, 2010 23:04:13 GMT -5
Posts: 3,383
Favorite Drink: Coffee!!
|
Post by DVM gone riding on Jan 29, 2011 12:53:56 GMT -5
femalsam can you post it as an attachment-word or excel to a post here, then I can download it and play with it-the 50-100k I will let someone else mess with the other club shanandoah well I completely agree with you!! I will have to find a good one of my other one-for some reason I took a lot less pics of him when he was little but he is considered the "cute one" he also happens to be the loud and obnoxious one but what do you do. trying to get them both to pose at the same time is hard though!
|
|
ambellamy
Established Member
Joined: Dec 23, 2010 10:05:26 GMT -5
Posts: 458
|
Post by ambellamy on Jan 29, 2011 15:52:38 GMT -5
If no one else will fiddle with the 100k club and wants me to take it over, I will... i just need the lastest excell sheet for it-- but if someone else has it, that's fine too.
|
|
FemaleSam
Junior Member
Joined: Dec 23, 2010 0:20:51 GMT -5
Posts: 140
|
Post by FemaleSam on Jan 29, 2011 21:18:40 GMT -5
dvm07I could have sworn I posted this earlier but I can't seem to find it . It's the 50-100K club list you want right? Just confirm that that is what you want and I will get an Excel spreadsheet to you.
|
|
mcreal
Initiate Member
Joined: Jan 2, 2011 10:00:36 GMT -5
Posts: 74
|
Post by mcreal on Jan 30, 2011 13:03:39 GMT -5
Mcreal: $42,994 (4/01/2010 $47277.15 W487, WU68) Hello! I decided to take some time and figure out this spreadsheet thing. | Debt | Date | Current Value | Starting Date | Starting Value | % Paid off | | Citibank | 1/30/2011 | $1,739 | 4/1/2010 | $7,508.00 | 76.84% | | Sears | 1/30/2011 | $732 | 12/1/2008 | $4,367.00 | 83.24% | | BofA | 1/30/2011 | $15,013 | 12/1/2008 | $17,071.00 | 12.06% | | Amex | 1/30/2011 | $4,902 | 12/1/2008 | $4,818.00 | -1.74% | | HSBC | 1/30/2011 | $5,321 | 12/1/2008 | $5,838.00 | 8.86% | | Chase | 1/30/2011 | $7,900 | 12/1/2008 | $7,675.00 | -2.93% | | Discover | 1/30/2011 | $7,387 | 12/1/2008 | $0.00 | #DIV/0! | | Total | 1/30/2011 | $42,994 | 12/1/2008 | $47,277 | 9.06% | |
|
|
mcreal
Initiate Member
Joined: Jan 2, 2011 10:00:36 GMT -5
Posts: 74
|
Post by mcreal on Jan 30, 2011 13:09:10 GMT -5
[/td][td] Date [/td][td] Current Value [/td][td] Starting Date [/td][td] Starting Value [/td][td] % Paid off [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $1,739 [/td][td] 4/1/2010 [/td][td] $7,508.00 [/td][td] 76.84% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $732 [/td][td] 12/1/2008 [/td][td] $4,367.00 [/td][td] 83.24% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $15,013 [/td][td] 12/1/2008 [/td][td] $17,071.00 [/td][td] 12.06% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $4,902 [/td][td] 12/1/2008 [/td][td] $4,818.00 [/td][td] -1.74% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $5,321 [/td][td] 12/1/2008 [/td][td] $5,838.00 [/td][td] 8.86% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $7,900 [/td][td] 12/1/2008 [/td][td] $7,675.00 [/td][td] -2.93% [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $7,387 [/td][td] 12/1/2008 [/td][td] $0.00 [/td][td] #DIV/0! [/td][/tr]
[/td][td] 1/30/2011 [/td][td] $42,994 [/td][td] 12/1/2008 [/td][td] $47,277 [/td][td] 9.06% [/td][/tr]
|
|
mcreal
Initiate Member
Joined: Jan 2, 2011 10:00:36 GMT -5
Posts: 74
|
Post by mcreal on Jan 30, 2011 13:23:20 GMT -5
Mcreal: $42,994 (4/01/2010 $47277.15 W487, WU68 | Debt | Date | Current Debt | Starting Date | Starting Debt | Total Paid | % Paid off | | Citibank | 1/30/2011 | $1,739 | 4/1/2010 | $7,508.00 | $5,768.94 | 76.84% | | Sears | 1/30/2011 | $732 | 4/1/2010 | $4,367.00 | $3,635.00 | 83.24% | | BofA | 1/30/2011 | $15,013 | 4/1/2010 | $17,071.00 | $2,058.00 | 12.06% | | Amex | 1/30/2011 | $4,902 | 4/1/2010 | $4,818.00 | ($84.00) | -1.74% | | HSBC | 1/30/2011 | $5,321 | 4/1/2010 | $5,838.00 | $517.00 | 8.86% | | Chase | 1/30/2011 | $7,900 | 4/1/2010 | $7,675.00 | ($225.00) | -2.93% | | Discover | 1/30/2011 | $7,387 | 4/1/2010 | $0.00 | ($7,387.00) | #DIV/0! | | Total | 1/30/2011 | $42,994 | | $47,277 | ($7,095.00) | 9.06% | |
|
|
mcreal
Initiate Member
Joined: Jan 2, 2011 10:00:36 GMT -5
Posts: 74
|
Post by mcreal on Jan 30, 2011 13:36:42 GMT -5
Finally took the time to figure out the spreadsheet. Thanks everyone for their work on this!
My life continues to be overwhelming, but is settling into a new weird sort of normal. My time is over extended between work and caring for my mom, making it difficult to squeeze in necessary home projects, or simple cleaning. My troubled daughter is still at home, and would appreciate more routine and structure of a home-life, but I am pulled in too many directions. My mental stress cannot decide where to focus, ailing dependant mother, financial and work stress, troubled daughter. My lack of self care is showing in me gaining weight and running low on energy. But I get up every day and find a way thru.
Financially, I am making it through. Little by little. It is painfully slow. My income tax refund should be $2K, which I willsplit between debt and savings. My monkey-business shift of debt to lower interest cards has worked, and I am seeing more debt reduction due to the lower interest. I am shooting for being under $40K by the end of march. Then focusing on the BofA debt thru the end of the year. I would love to see the bulk of that gone and am hoping to see me under $30K by the end of the year. I still scrimp and save on everything. My grocery budget is under $200/mo for the two of us. The heat is rarely on.
Thank you all for your support and inspiration. I am hanging in there. ;D
|
|
). If anybody needs that one-month old information as a starting point, just ask. Since I went through and updated the 100K list (kinda) last night, it is going to be much easier to update the club lists only after all the permanent threads are up and running and smilies are again distributed to all the racers. 
