Rocky Mtn Saver
Junior Associate
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Posts: 7,461 
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Post by Rocky Mtn Saver on Apr 18, 2013 8:12:08 GMT -5
Sealy, I seem to recall you saying a while back that your income was going to be going back up after a contract renewal or something? Has that kicked in yet, or will it?  on getting the taxes all taken care of. I know that was a difficulty for you last year.
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shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
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Post by shanendoah on Apr 19, 2013 14:14:08 GMT -5
Update: shanendoah: 04/19/13 $13,371.42 (12/30/09, $76,536.33, WU7, WU73, WPT18)
savings: 4/19/13 $4,795.41 goal: $7,500
| LOC | Current Balance | Starting Balance | Originally Borrowed | Total Paid | % Paid off | | Chase CC | $- | $2,171.85 | - | $2,171.85 | 100.00% | | BofA CC | $- | $432.55 | - | $432.55 | 100.00% | | LaZBoy CC | $- | $882.58 | - | $882.58 | 100.00% | | Care Credit | $- | $3,196.57 | - | $3,196.57 | 100.00% | | Car | $- | $4,771.88 | - | $4,771.88 | 100.00% | | Basement Solutions | $- | $4,775.30 | $4,775.30 | $4,775.30 | 100.00% | | GSL | $- | $42,150.85 | $39,000 | $42,150.85 | 100.00% | | USL | $13,371.42 | $18,154.75 | $16,000 | $4,783.33 | 26.35% | | Total | $13,371.42 | $76,536.33 | - | $63,164.91 | 82.53% | |
Even though my last official day at work is May 3, I haven't been in the office this week at all, except for Monday. I don't really expect to be in at all next week, and only there for an hour or so on May 3 to say goodbyes.
I am getting used to being at home, but haven't been on the boards much (and don't expect to be on the boards much) as I've been job hunting and studying for my professional certification exam, which I am taking next week.
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shanendoah
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Post by shanendoah on Apr 19, 2013 15:10:27 GMT -5
The 25-50K List has been updated- In the last two weeks, this list has paid off over $14,900 in debt
- CONGRATULATIONS to snapdragon from the West for graduating from this list
- seahorse and sockeymom both leapfrogged.
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sealy
Familiar Member
Joined: Dec 22, 2010 2:49:52 GMT -5
Posts: 956
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Post by sealy on Apr 19, 2013 20:40:53 GMT -5
Yes it kicked in but not as much as I thought it would. I'm just going to have to work really hard on getting the small bills out of the way. I had to use my CC #1 again to pay my taxes, gas, and for a new passport for my son because he washed his.  |
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sealy
Familiar Member
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Post by sealy on Apr 20, 2013 11:13:23 GMT -5
Ok this is what I'm thinking. For my next paycheck I will be paying my mortgage twice. I will shred CC #2 and only use CC#1 for the month of May and then I'll shred that one. After May I'll be able to breathe. I also plan to print out my bank statement so I can figure out where my money went this month. I ended up having to use my CC #1. I really need to get myself straightened out. By the way CONGRATS snapdragon for getting off the 25 - 50K list. WAY TO GO!!!  |
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Rocky Mtn Saver
Junior Associate
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Post by Rocky Mtn Saver on Apr 22, 2013 8:11:08 GMT -5
on cutting up the cards, Sealy! Are you paying the mortgage twice in May in order to get a month ahead on the expense? I know that the YNAB budgeting system works a month ahead like that.
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cktc
Senior Member
Joined: Mar 19, 2013 22:15:31 GMT -5
Posts: 3,202
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Post by cktc on Apr 22, 2013 12:36:22 GMT -5
Update: cktc: 4/22/2013 $40,031.12 (3/20/2013 $42,189.14 W70)
I'm afraid to report after just one month I am already second guessing my desire to eliminate my student loan debt. I am moving in with my SO and would really like to start saving for a house. It should take me two more months to eliminate the consumer debt, so I'll take that time to decide how to proceed.
Happy for your reconciliation twinmama, good luck job hunting shanendoah, and congratulations to all on your progress!
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
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Post by Rocky Mtn Saver on Apr 22, 2013 12:46:56 GMT -5
Update: cktc: 4/22/2013 $40,031.12 (3/20/2013 $42,189.14 W70)I'm afraid to report after just one month I am already second guessing my desire to eliminate my student loan debt. I am moving in with my SO and would really like to start saving for a house. It should take me two more months to eliminate the consumer debt, so I'll take that time to decide how to proceed. Happy for your reconciliation twinmama, good luck job hunting shanendoah, and congratulations to all on your progress! A house is a good goal, especially if the SL's are a low interest rate. But wasn't your or your SO's place underwater for the near future? |
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snapdragon
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Post by snapdragon on Apr 23, 2013 17:37:54 GMT -5
Thank you Shanendoah and Sealy for the nod!  |
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sealy
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Post by sealy on Apr 23, 2013 20:05:17 GMT -5
Thanks Rocky. I normally don't work during the summer this year I will be working during the summer so I just want to try and get ahead of my bills. I want to make sure my mortgage is taken care of. My SL will be done in May and I might also pay my CC #3 so I won't have to
worry about that one either.
I'll just keep plugging away at my debt and try to slowly save in the process.
s
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cktc
Senior Member
Joined: Mar 19, 2013 22:15:31 GMT -5
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Post by cktc on Apr 24, 2013 12:27:11 GMT -5
A house is a good goal, especially if the SL's are a low interest rate. But wasn't your or your SO's place underwater for the near future? Yeah my SO's place is underwater, but I am still thinking a three year plan on buying a place. His mortgage is low enough that we should be able to rent it out if it comes to that. |
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
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Post by Rocky Mtn Saver on Apr 24, 2013 12:39:02 GMT -5
Thanks Rocky. I normally don't work during the summer this year I will be working during the summer so I just want to try and get ahead of my bills. I want to make sure my mortgage is taken care of. My SL will be done in May and I might also pay my CC #3 so I won't have to worry about that one either. I'll just keep plugging away at my debt and try to slowly save in the process. s Congrats on getting rid of the SL and hopefully the cc! |
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megaptera
Established Member
Joined: Jul 30, 2012 16:50:18 GMT -5
Posts: 338
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Post by megaptera on Apr 26, 2013 11:07:57 GMT -5
UPDATE
megaptera: 4/26/13 $300,780.00 (7/30/12, $309,224.00 W58)
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snapdragon
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Post by snapdragon on Apr 26, 2013 13:49:46 GMT -5
Megaptera - Great job! It looks like you will be out of the $300,000's next month. Woo Hoo!
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megaptera
Established Member
Joined: Jul 30, 2012 16:50:18 GMT -5
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Post by megaptera on Apr 27, 2013 11:04:24 GMT -5
Snapdragon, thanks for the shoutout! Extra mortgage payments are going to start slowing down though, in order to ramp up the savings.  And congrats to you for graduating from the 25K list! 
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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 Apr 28, 2013 21:27:52 GMT -5
$100K List Updated as of 4/28/13! $6127.08 paid off in the last 2 weeks! Great job ladies and gents! - Congratulations to Red Racer Ris from the South for graduating from the $100K List! We are so proud of you!! - Congrats to movinonup from the Northeast for paying off over $5K! - One Leapfrog, Banker Gurl from the Midwest! www.notmsnmoney.proboards.com/thread/11187/page/4/100k-club# |
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rosebud30
New Member
Joined: Jan 3, 2011 2:53:13 GMT -5
Posts: 42
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Post by rosebud30 on Apr 28, 2013 22:28:40 GMT -5
Update
rosebud30: 4/28/13 $8,679.27 (8/7/08 $40,810 W349)
I got a job! A month ago I got a temp job and things went well so I was hired permanently. Instead of paying down credit cards, I was saving the extra money in case I needed the cash when I wasn't working. I finally used that cash and paid off 3 credit cards and started paying down a 4th. I have 2 cards left.
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
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Post by Rocky Mtn Saver on Apr 29, 2013 8:01:02 GMT -5
 , Rosebud!
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snapdragon
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Post by snapdragon on Apr 29, 2013 13:14:42 GMT -5
Rosebud - Great job and what a mental boost for you! 3 zeros! Congrats on getting a job! cktc - Paying things down is never a bad thing.Yes it can bite you as with the divorce but that can happen to anyone. Maybe you could split the difference between paying things down and saving for a different place? Mega - I have found things come in cycles - you were paying extra on your mortgage think about how much you have saved in interest! Now you are switching gears to make you more (comfortable, happy, secure) - take your pick of word and there is nothing wrong with that. Sealy - Just another month and you can breathe easier so just keep on chugging away. Shane - Good luck on the job hunt. Hopefully you will find something you like soon.
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sealy
Familiar Member
Joined: Dec 22, 2010 2:49:52 GMT -5
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Post by sealy on Apr 29, 2013 23:10:53 GMT -5
WAY TO GO ROSE!!!!
Thanks Snap
Well it looks like I'm not going to be able to double up on the house payment
so I'm going to get as many lil bills down as possible.
I paid CC #3 off I hope it goes through quickly.
My SL will also be paid off this month.
Thanking God for that.
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nooccar
Junior Member
Joined: Jan 6, 2011 1:54:02 GMT -5
Posts: 165
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Post by nooccar on May 3, 2013 19:57:17 GMT -5
Update
nooccar (2): 5/3/2013 $51,039.71 (11/4/2010 $73475.09 WU197)
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sealy
Familiar Member
Joined: Dec 22, 2010 2:49:52 GMT -5
Posts: 956
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Post by sealy on May 6, 2013 21:12:17 GMT -5
SEALY RACE #1DEBT | CURRENT | PAST | STARTING | TOTAL PAID | % PAID OFF | Car | $7,499.50 | $7,499.50 | $8,194.60 | $695.10 | 8% X | CC #1 | $4,796.00 | $4,796.00 | $4,944.90 | $148.90 | 3% X | CC #2 | $5,195.46 | $5,247.38 | $5,520.78 | $325.32 | 6% | CC #3 | $0 | $82.53 | $132.53 | $132.53 | 100% 
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SL | $0 | $50 | $250 | $250 | 100% | Sculpt | $1900 | $1900 | $5000 | $3100 | 62% | Total | $19,390.96 | $19,575.41 | $24,042.81 | $4651.85 | 19%
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sealy: 2/1/13 $19,390.96 (2/1/13 $24,042.81 W68) difference $4,651.85
Right now I'm only updating CC #3 & SL I will edit this one as soon as the other bills clear. So these numbers will change. SL took $100 instead of the true amount $50. I called them. I'll be getting a refund and recharged the correct amount. x = not updated this timeSEALY RACE #2
DEBT
| CURRENT | PAST | STARTING | TOTAL PAID | % PAID OFF | | HOUSE | $318,560.95 | $319,800.00 | $321,652.00 | $3,091.05 | 0.9% |
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sealy: 5/06/13 $318,560.95 (12/04/12 $321,652) difference $3,091.05
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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 May 6, 2013 23:17:17 GMT -5
It's not official yet but DH agreed that I could have $1000 of our tax refund to put towards our HELOC! I've been paying it off in $500 chunks so that will bump us 2 months closer to being paid off. And, It's not official yet but DH agreed that I could hire a contractor to finish up parts of our remodeling projects that we never seem to finish! So, the HELOC won't have a chance to be paid off because we're going to be adding to it. |
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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 May 9, 2013 23:10:28 GMT -5
Woohoo! It's official! | Month | Principal Payment | Interest Payment | Total Payment | Balance | % Met | | January | $500 | $14.37 | 514.37 | 5,000 | | February | $500 | $12.92 | 512.92 | 4,500 | | March | $500 | $10.44 | 510.44 | 4,000 | | April | $500 | $10.32 | 510.32 | 3,500 | | May | $1,000 | $8.85 | 1,008.85 | 2,500 | | June | | | 0.00 | | | July | | | 0.00 | | | August | | | 0.00 | | | September | | | 0.00 | | | October | | | 0.00 | | | November | | | 0.00 | | | December | | | 0.00 | | | TOTAL | $3,000 | $56.90 | 3,056.90 | | 82% |
Saving4Norway 5/10/13 $2,500 (1/1/12 $19,528.44 W60) |
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dsunshine
Junior Member
Joined: Dec 22, 2010 17:18:41 GMT -5
Posts: 103
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Post by dsunshine on May 11, 2013 19:48:13 GMT -5
UPDATE dsunshine 5/11/2013 $17,807.10 (1/30/2011 $42,344.29 WPT8, WPT50)| Debt | Int Rate | Start | Previous | Current | % Paid off | | DiscPL | 9.99% | $19,799.28 | $13,482.39 | $13,226.37 | 33.20% | | Sterling PL | 4.56% | $6,662.88 | $4,719.54 | $4,580.73 | 31.25% | | CC1 | 12.24% | $14,428.14 | $0.00 | $0.00 | 100.00% | | CC2 | 16.24% | $1,453.99 | $0.00 | $0.00 | 100.00% | | Total | | $42,344.29 | $18,201.93 | $17,807.10 | 57.95% | |
Still making slow progress. I have interviews at 2 schools later this week for their ultrasound programs. Even though this is what I want to do I am stressing about not having money to pay the bills that I currently have while in school. I am trying to not worry about it until I know if I have been accepted into a program.
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snapdragon
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Post by snapdragon on May 15, 2013 11:05:16 GMT -5
Update: snapdragon 5-15-13 $24,487.83 (8/6/12 $28,899.00 WU 64, 65, 67, 68, 69, 70, 71)
Steadily going down. I'm attempting to keep paying extra every month and am really liking the numbers. If I am able to keep it up my HELOC will be paid off in about 4 years.
I believe in the next few months I am going to try and re-fiance my main mortgage (I am not racing it yet.) It's at 6.5% and I'm hoping I can get it reduced by a percent or two which will help in the future. Before I did not have enough paid off to try and work the numbers.
Everyone keep up the good work. 
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twinmama85
Well-Known Member
Have a blessed New Year!
Joined: Dec 28, 2010 9:48:38 GMT -5
Posts: 1,627
Today's Mood: Blessed
Location: Home
Favorite Drink: Wine
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Post by twinmama85 on May 18, 2013 9:53:31 GMT -5
Hello everyone! Coming in to check in and start our next race Our goal is to have this paid off in a year's time. Hubby got a promotion and doubled our income so that was a huge blessing from God. We are still going strong with our reconciliation and are closer than ever before, thank you all for your support and kindness while I was going through that trial last year. 2013 is so far one of the best years of my life.  twinmama85 5/18/13 (5/18/13: $25446.87)
Debt Name
| Starting Amount
| Amount Paid
| Current Debt
| Percentage Paid
| Wells Fargo
| $2,533.90 | $0
| $0 | 0%
| SL 1
| $7,294.07
| $0
| $0 | 0%
| SL 2
| $15,618.90 | $0
| $0 | 0%
| | Total | $25,446.87 | $0
| $0 | 0%
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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 May 18, 2013 17:12:11 GMT -5
$100K List updated as of 5/18/13! We had a wedding last weekend and I didn't get around to posting, so this update will include the last 3 weeks of updates. Congrats to antevasin from the Northeast for graduating from the $100K List! Awesome job lady! Congrats to lark_64 from the NE for paying off over $25K! Two Leapfrogs - Munjoyhill from the Northeast and Minnesotagirl7(3) from the Midwest!! www.notmsnmoney.proboards.com/thread/11187/100k-club?page=5# |
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cktc
Senior Member
Joined: Mar 19, 2013 22:15:31 GMT -5
Posts: 3,202
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Post by cktc on May 20, 2013 13:09:53 GMT -5
Update: cktc: 5/20/2013 $39,527.26 (3/20/2013 $42,189.14 W70)
Debt Int Rate Start Previous Current % Paid Off
Amex 6.24% $511.00 $0.00 $0.00 100.00%
Visa 0.00% $3,050.00 $1750.00 $1,600.00 47.54%
Loan 5.125% $38,628.10 $38,281.12 $37,927.26 1.81%
Total $42,189.14 $40,031.12 $39,527.26 6.31%
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twinmama85
Well-Known Member
Have a blessed New Year!
Joined: Dec 28, 2010 9:48:38 GMT -5
Posts: 1,627
Today's Mood: Blessed
Location: Home
Favorite Drink: Wine
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Post by twinmama85 on May 24, 2013 13:24:29 GMT -5
twinmama85 5/24/13 $24,456.87 (5/18/13: $25,446.87)
Made a lovely payment today on the credit card! We should have it paid off next month
Debt Name
| Starting Amount
| Amount Paid
| Current Debt
| Percentage Paid
| Wells Fargo
| $2,533.90 | $1,000
| $1,533.90 | 40%
| SL 1
| $7,294.07
| $0
| $7,294.07 | 0%
| SL 2
| $15,618.90 | $0
| $15,618.90 | 0%
| | Total | $25,446.87 | $1,000
| $24,446.87 | 4%
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