nidena
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Post by nidena on Apr 23, 2020 15:05:05 GMT -5
We've gotten some of the work done (as in hired out) to fix up our old house for sale. Went over to take a look at it and it looks way better than it did two weeks ago. We've had two sale prices in mind for the house. The "before-we-fix-every-little-thing-up-perfect" price and the "after" price. I learned a few weeks ago that some family friends were starting to house hunt. Went over the house with them today and they told me they would have their realtor send me an offer. So, hopefully, in 30-45 days the mortgage on our old house will be zeroed out and the mortgage on the new house will be $100K+ (44+%) lower! Wish us luck for a reasonable VA inspector and the usual vaguely competent mortgage processing staff! If you're buying with a VA loan, you should look up VettedVA on Facebook. It's loan officers, realtors, and veterans. There is no soliciting when folks mention they're house hunting. The LOs assess screenshots of offers to see if people are getting the best deal for their mortgage company.
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swordguy
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Post by swordguy on Apr 23, 2020 19:50:23 GMT -5
We've gotten some of the work done (as in hired out) to fix up our old house for sale. Went over to take a look at it and it looks way better than it did two weeks ago. We've had two sale prices in mind for the house. The "before-we-fix-every-little-thing-up-perfect" price and the "after" price. I learned a few weeks ago that some family friends were starting to house hunt. Went over the house with them today and they told me they would have their realtor send me an offer. So, hopefully, in 30-45 days the mortgage on our old house will be zeroed out and the mortgage on the new house will be $100K+ (44+%) lower! Wish us luck for a reasonable VA inspector and the usual vaguely competent mortgage processing staff! If you're buying with a VA loan, you should look up VettedVA on Facebook. It's loan officers, realtors, and veterans. There is no soliciting when folks mention they're house hunting. The LOs assess screenshots of offers to see if people are getting the best deal for their mortgage company. We're selling, not buying. They'll be using a VA loan. I'll take a look at the site though, thanks!
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Minnesotagirl7
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Post by Minnesotagirl7 on Apr 24, 2020 10:24:19 GMT -5
Shoutouts! forwardwego- Congrats on selling the boat, and on being under $20k! I let everyone know I was doing updates today after you were disappointed to just miss the last time I did them! bankergurl- Congrats on the new $0, it looks so good on you! Great update overall and that’s a nice little snowball! nidena- Thrilled for you and this update! Have you set any savings or investing goals for yourself yet? movinonup- Welcome back! Awesome work over this past year!! ners- A lot of people are doing the same thing. Hope all is well with you. idlechatter- Awesome update! Nice work meeting another one of your goals! nikiz628- Great updates! swordguy- Nice updates, and fingers crossed for a quick sale! minnesotapaintlady- Good update! chicg- Down over $500, nice work!
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Minnesotagirl7
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Post by Minnesotagirl7 on Apr 24, 2020 10:27:20 GMT -5
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nidena
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Post by nidena on Apr 24, 2020 12:55:13 GMT -5
Minnesotagirl7, I joined the Savers thread last week. My current goals are small but, come June and later, they'll be much bigger since I'll have a CC balance that can be paid off each month.
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bankergurl
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Post by bankergurl on Apr 24, 2020 16:39:47 GMT -5
bankergurl , I think putting it in savings defeats the purpose of "stimulus". lol I'll be doing the same thing with most funds that I receive once the CC is paid off. LOL, that is true! It will probably only be sitting there a short while till more medical bills come in. I just paid another big one off last week and that dropped our HSA all the way down to $29 now. We also had to fill our propane tank to the tune of $700 so we may take some out for that. Too much uncertainty right now to be blowing it and it's not as if we can go on a vacation right now..lol!
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bankergurl
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Post by bankergurl on Apr 24, 2020 17:12:31 GMT -5
Update to Race #3!! $225.82 paid off in the last 2 weeks!! I love seeing everyone's updates and the WIR seem to be handling the waves of the pandemic in stride! So proud of all of us and everything we have learned to be able to keep going forward in these uncertain times! It's a low update, only Rental #1 was paid this update, and in addition I had underestimated the balance on that mortgage by about $80 on the last update. Going forward MO will be getting me the exact balance before I post my updates (this is the mortgage from his house before we married, so I don't have access to check the balance as he is the only one on that mortgage). It's exciting to have our first little bit of snowball! So we will pay an extra $100 the last update/paycheck of the month, and an extra $200 the first update/paycheck of the month. Renter #1 is still behind $250 for April. Yet I see her buying random stuff on FB Sales sites....very frustrating. MO talked to her yesterday and she said she will be paying $600 soon, so that will pay off April, but then will still be $500 behind for May. In the meantime we received May rent from Renter #2 10 days early..lol. I guess it's a horse a piece?? We received our stimulus money, $2189, so I transferred $2200.00 to savings. I'm an even amounts kind of girl. I am continuing to do reselling to supplement our income, it goes great when I actually post, but lately I haven't felt very motivated, so it goes in waves. Sun is shining and weather is beautiful today. I hope it keeps up. I would really love to get some yard work done and think some Vitamin C would be very helpful to moral! Still -0- cases of corona in our county. Fingers crossed it stays that way. Savings is at $15,040.00!!Celebrations for this update: -$225.82 paid off in the last 2 weeks!!! -Total Debt went under the next $1000 mark, this is the 4th update in a row to go below the next $1000!
Race #1 - Banker Gurl Mortgage (Rental #2)
4/10/20 $139,400.00 (9/17/07 $250,514.73) Paidoff - $111,114.73
Debt | Interest | Start 9/17/07 | Last 3/13/20 | Current 4/10/20 | My Mortgage (Rental #2) | 3.62% | $250,514.73 | $139,800.00 | $139,400.00 |
Race #2 - Bad Debt Race
4/10/20 $27,806.82 (6/19/15 $63,603.84) Paidoff - $35,797.02
Debt | Interest | Start 6/19/15 | Last 03/27/20 | Current 4/10/20 | Student Loan | N/A | $93.97 | $0 | $0 | Payback Savings | 0% | $500.00 | $0 | $0 | David's Bridal | 0% | $275.30 | $0 | $0 | Scheel's Card | 25.24% | $929.90 | $0 | $0 | Total Rewards | 17.99% | $3,955.66 | $0 | $0 | LOC - US Bank | 21.90% | $4,994.05 | $0 | $0 | Ring - Iddeal | 9.99% | $9,334.87 | $0 | $0 | Appliances - Best Buy | 0% | $2,960.09 | $0 | $0 | Store Loan
| 2.00%
| $14,560.82
| $133.66
| $0
| Mom Loan #2 (HELOC) | 2.00% | $0 | $2,359.55 | $1,806.82 | Mom Loan #3 (Truck - Added 9/1/18)
| 2.00%
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$26,000.00
| $26,000.00
| $26,000.00
| Totals |
| $63,603.84 | $28,493.21 | $27,806.82
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*Mom Loan Savings Account has $3,635.00 in it so total still owed is $24,171.82.
Race #3 - MO's Mortgage (Rental #1)/HELOC
4/24/20 $76,624.18. (6/19/15 $119,756.61) Paidoff - $43,132.43
Debt | Interest | Start 6/19/15 | Last 3/27/20 | Current 04/24/20 | HELOC | 3.5% | $30,324.70 | $0 | $0 | MO Mortgage (Rental #1) | 4.5% | $89,431.91 | $76,850.00 | $76,624.18 | Totals |
| $119,756.61 | $76,850.00 | $76,624.18 |
Race #4 - Our Mortgage
4/10/20 $235,095.22 (9/2/15 $270,000.00) Paidoff - $34,904.78
Debt | Interest | Start 9/2/15 | Last 3/13/20 | Current 4/10/20 | Our Mortgage | 4.125% | $270,000.00 | $235,528.72 | $235,095.22
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Yearly Progress
Date | Total Debt | 6/19/15
| $584,391.18
| 1/1/16 | $557,236.94 | 6/1/16 | $536,179.52 | 1/6/17
| $524,971.47
| 6/9/17
| $516,318.28
| 1/5/18
| $504,165.70
| 6/8/18
| $495,101.02
| 1/4/19
| $508.767.86
| 6/21/19
| $497,886.96
| 12/20/19
| $486,311.31
| 1/3/20 | $485,706.29 | 1/17/20
| $484,756.69
| 1/31/20
| $484,426.93
| 2/14/20
| $482,924.76
| 2/28/20
| $482,603.94
| 3/13/20
| $481,099.21
| 3/27/20
| $480,671.93
| 4/10/20
| $479,152.04
| 4/24/20
| $478,926.22
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*Record for going under the next $1000 mark is 9 updates in a row. [/quote]
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swordguy
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Post by swordguy on Apr 25, 2020 9:02:03 GMT -5
Just got contacted by the buyer's realtor so she could send my lovely wife a copy of the contract by email too. Yeah! In about 30 days the old house will be sold -- and to family friends, too. So we can still visit it 'cause we like it.
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swordguy
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Post by swordguy on Apr 25, 2020 16:02:24 GMT -5
Just got contacted by the buyer's realtor so she could send my lovely wife a copy of the contract by email too. Yeah! In about 30 days the old house will be sold -- and to family friends, too. So we can still visit it 'cause we like it. Ladies, waiting for the formal offer to arrive on a house you want to sell is, I expect, a lot like a handsome guy getting your phone number and saying he'll call. And then you wait, and wait, and wait, and wonder if he'll call.
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nidena
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Post by nidena on Apr 25, 2020 16:26:26 GMT -5
Just got contacted by the buyer's realtor so she could send my lovely wife a copy of the contract by email too. Yeah! In about 30 days the old house will be sold -- and to family friends, too. So we can still visit it 'cause we like it. Ladies, waiting for the formal offer to arrive on a house you want to sell is, I expect, a lot like a handsome guy getting your phone number and saying he'll call. And then you wait, and wait, and wait, and wonder if he'll call. My house went on the market in mid-Jan. I received four or five official offers on it. Yeah, it's like that. It's worse when they ghost you...which happened with one of the potential buyers. But it finally sold and closed Mar 31st.
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swordguy
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Post by swordguy on Apr 25, 2020 21:20:45 GMT -5
Offer letter sent and received.
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swordguy
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Post by swordguy on Apr 27, 2020 18:17:22 GMT -5
Offer letter sent and received. Forgot to mention, the buyer of our old house closes on June 2nd, 36 days from now. Because we've been paying ahead a bit on the mortgage, we don't actually have to make another payment until well after closing date. Extra money next month to our new house mortgage!
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debthaven
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Post by debthaven on Apr 28, 2020 3:40:03 GMT -5
Can't wait to see your June update Swordguy!
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 28, 2020 7:58:50 GMT -5
UPDATE! Rukh O'Rorke 4/28/2020 $107,244.80 (6/29/2019 $126,041.86) Debt | December 20 | January 7 | February 6 | March 6 | April 6 | Difference | Fed Student Loans | $105,438.65 | $104,422.08 | $103,616.48
| $102,789.29
| $102,778.96
| $10.33
| Private Student Loans | $6,204.46 | $6,131.58 | $6,071.97
| $5,872.95
| $5,624.31
| $248.64 | Total | $111,643.11 | $110,553.66 | $109,688.45
| $108,662.24
| $108,403.27 | $258.97
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Taking a baby step this month.Debt | December 20 | January 7 | February 6 | March 6 | April 6 | April 28 | Difference | Fed Student Loans | $105,438.65 | $104,422.08 | $103,616.48
| $102,789.29
| $102,778.96
| $102,782.75
| (3.79) | Private Student Loans | $6,204.46 | $6,131.58 | $6,071.97
| $5,872.95
| $5,624.31
| $4,462.05 | $1,162.26 | Total | $111,643.11 | $110,553.66 | $109,688.45
| $108,662.24
| $108,403.27 | $107,244.80
| $1,158.47 |
Decided to up the ante a bit before the month closed. FU baby steps!!! Got my big RI payment and the private student loan here is still in regular repayment at 5.99%. No matter what happens on the student loan landscape - I don't think anything with private loans will be affected outside of interest rate. At least the interest rate is down a little. But it's the lowest it will ever be and not that low so while things are going well for me, I will try to get this one paid off. I don't want to pay it off in one fell swoop - no matter how satisfying that might be in the moment! Going to try to shore up savings as I had indicated and decided month to month what/how much I will do.
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nidena
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Post by nidena on Apr 28, 2020 16:37:00 GMT -5
Rukh O'Rorke, you're making great progress. $1000 reduction a month is quite good.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 28, 2020 18:53:41 GMT -5
Rukh O'Rorke , you're making great progress. $1000 reduction a month is quite good. thanks Nidena! I think it seems pretty good too - but then I think - going to take 107 more months at 1k/month......but.... Just gotta keep moving forward! Do extra when i can and be ok when I can't.
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TheHaitian
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Post by TheHaitian on Apr 29, 2020 5:50:46 GMT -5
Just posting here to get an idea really, have not decided what I am going to do. Will post an update in May with numbers..
So since this thing has started I went into stashing mode because I was worried about worse case scenario because it basically killed my side business I was starting and the gig on the side I was working. That was an extra 2k-3k/month that is no longer coming in and it was very helpful (and sadly we got used to it). I saw how our numbers dived and debt increased when I could not work after my accident in July till about September...and failed to cut back where needed.
Anyway I went into stashing mode with an extra mouth to feed (brother). Only paid bare minimum on all credit cards and as I suspected (this is 2008 all over again) some of my credit card limits were lowered, TD basically slash my limit by more than half to the exact amount I owe on them. Not that I was trying to get more loans right now but I am sure it will make my credit take a slight dive next month since my credit ratio will go up significantly.
Anyway this is about cash. Been hoarding it and now seating on about ~15k and expecting another ~5k. It all came in the past month and half : from payout from my accident in December (~2k), bonus from work (~5k), bonus from work for covid (1.5k), last payment for some side gig I did (~4k), etc. I am expecting another bonus from work in June (~1k), I filled out yesterday the bank info thing for the stimulus check (2.9k) since last year we owed and sent a check in so IRS did not have our bank info, and I was given an initial offer for my accident in July of 4.8k but did not accept yet. So rounding it out, realistically I am thinking ~20k.
Should I keep stashing after that or should I start throwing any little extra towards paying down the debt? With everything the way it is I am not expecting much extra, my side business/gig I will probably will not go back to till Fall or even next year. To high of an exposure to COVID from both and also taking enough risk as it is with Job #1 (I am diabetic, wife has high blood pressure, MIL is 70 and my daughter that is 3).
Also when should I give myself as a "safe date" to use that money to pay down debt. because the plan before COVID was to throw all that money towards paying down our debt vs stashing, covid changed that. I am not worried about job loss but more so inability to work (catching it) and being out of work longer than I want or worse case scenario death (I printed social security info for my wife, bank account info , user name and password). So figure I would be seating on that stash till about beginning of next year? or too long? Summer/ Fall? Play it by ear?
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Minnesotagirl7
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Post by Minnesotagirl7 on Apr 29, 2020 9:11:54 GMT -5
TheHaitian, In my opinion, that is a hefty stash. Looking back at your last update, I’d use a portion of it to give yourself a couple of quick wins and get a couple $0’s. Then I’d look at it this way: Do you have other savings or an emergency fund? If not, you’ll want to hold on to it. If you do have other savings, you may consider using it sparingly to pay down debt.
How are your family’s financials otherwise? Are you able to meet your monthly obligations and still make minimum (or slightly more) payments? From what I hear, the health experts expect the virus to reappear this fall, so you’ll want to be prepared financially if you feel you or your immediate family are at risk. Its great that you feel secure at your job, so you’ll have health insurance and hopefully sick leave or paid time off if you do fall ill.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 29, 2020 11:10:41 GMT -5
Likely the credit lines are expecting a lot of bankruptcies to start mushrooming up so closing the option for people to run up more debt before filing.
Haitian, I would hang on to that 20k and call it good for the EF and then start paying down more from here as you can. Unless you are having difficulty making the minimums, then you would want to use the 20k to pay some card/s off so that you can comfortable pay the minimums. But it does mean that you do need to reign in your spending.
and really focus on being able to live and not accrue debt just on your regular salary. use future payoffs or bonus money to pay down debt.
Are you still contributing to your 401ks? I think you were maxing those out for a long time so hopefully you can continue that while stock prices are low.
I wonder if my lines have changed? Will check on that - but can't say I remember what my limits were - I'm assuming they'd need to say something about lowering them? letter or messages?
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nikiz628
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Post by nikiz628 on Apr 29, 2020 13:41:45 GMT -5
TheHaitian My 2 cents (based on your last numbers update on 4/7) I would pay off the Citicard and CapitalOneII for sure as they are your lowest balances. I would even consider paying off CitiCardII and TD depending on their current balances. And then I would take the minimums that you were paying on those and roll them in to getting the other higher balances down quicker. The rest of the ~$20k left I would definitely hoard for now. It's good that your job is secure but you are correct in the wondering about the other unknowns coming up with this. Moving forward, I would do my best to do try and implement a bare minimum on spending. Only true necessities for the time being. I appreciate that you share your journey with us, and I am not casting judgement at you at all, but it does seem to be "living outside your means" that is really causing you to struggle. This is the perfect time FOR ALL OF US to buckle down and determine what is really a need vs. a "need" (aka a want that feels like a need). You've got this no matter how you proceed with the $20k stash. Good luck!!
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 29, 2020 14:26:57 GMT -5
TheHaitian My 2 cents (based on your last numbers update on 4/7) I would pay off the Citicard and CapitalOneII for sure as they are your lowest balances. I would even consider paying off CitiCardII and TD depending on their current balances. And then I would take the minimums that you were paying on those and roll them in to getting the other higher balances down quicker. The rest of the ~$20k left I would definitely hoard for now. It's good that your job is secure but you are correct in the wondering about the other unknowns coming up with this. Moving forward, I would do my best to do try and implement a bare minimum on spending. Only true necessities for the time being. I appreciate that you share your journey with us, and I am not casting judgement at you at all, but it does seem to be "living outside your means" that is really causing you to struggle. This is the perfect time FOR ALL OF US to buckle down and determine what is really a need vs. a "need" (aka a want that feels like a need). You've got this no matter how you proceed with the $20k stash. Good luck!! very true - but I would add a few splurges that enhance (rather than decimate!) mental health.....getting tough for everyone!
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nikiz628
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Post by nikiz628 on Apr 29, 2020 15:21:16 GMT -5
TheHaitian My 2 cents (based on your last numbers update on 4/7) I would pay off the Citicard and CapitalOneII for sure as they are your lowest balances. I would even consider paying off CitiCardII and TD depending on their current balances. And then I would take the minimums that you were paying on those and roll them in to getting the other higher balances down quicker. The rest of the ~$20k left I would definitely hoard for now. It's good that your job is secure but you are correct in the wondering about the other unknowns coming up with this. Moving forward, I would do my best to do try and implement a bare minimum on spending. Only true necessities for the time being. I appreciate that you share your journey with us, and I am not casting judgement at you at all, but it does seem to be "living outside your means" that is really causing you to struggle. This is the perfect time FOR ALL OF US to buckle down and determine what is really a need vs. a "need" (aka a want that feels like a need). You've got this no matter how you proceed with the $20k stash. Good luck!! very true - but I would add a few splurges that enhance (rather than decimate!) mental health.....getting tough for everyone! Very true and valid point. How about splurges with a spending cap? 😂 I say as I await my latest amazon order....
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nidena
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Post by nidena on Apr 29, 2020 16:58:18 GMT -5
Rukh O'Rorke , you're making great progress. $1000 reduction a month is quite good. thanks Nidena! I think it seems pretty good too - but then I think - going to take 107 more months at 1k/month......but.... Just gotta keep moving forward! Do extra when i can and be ok when I can't. Well, in just a few months, you'll be able to snowball a payment or two. That'll make that go a little faster.
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nidena
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Post by nidena on Apr 29, 2020 17:06:17 GMT -5
For many of us, it's somewhat easy to not have to choose which WANTS to not get. They haven't been open. I've wanted a haircut since the end of March but, alas, it may be June before that happens. lol I haven't made a "fun clothes" purchase since Jan 26th; though I did buy some "work clothes" in March, because I had gotten rid of all my black colored stuff while in Iowa.
I look at my purchases and they're groceries, cleaning stuff, and (uh oh) Sugar Crush. lol. There's been a few hundred hours spent playing SC.
BUT the house is sold and I've paid off $20,000 in CC debt. I call that a win.
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chiver78
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Current Events Admin
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Post by chiver78 on Apr 30, 2020 9:35:13 GMT -5
hi racers! it's been awhile... but, I'm ready to get cracking. the deed was recorded for my home sale yesterday, and I'm just waiting on the checks from both attorneys with the proceeds. in the next few days, i'll gather current numbers - which will be higher than my starting total, due to moving costs I just threw on a card. so, balances and interest rates (with promotional rates/end dates) will be updated and I'll be looking for advice on the best path of attack.
thanks in advance!
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nikiz628
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Post by nikiz628 on Apr 30, 2020 12:35:43 GMT -5
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byedebtbye
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Post by byedebtbye on Apr 30, 2020 13:19:10 GMT -5
UPDATE
ByeDebtBye: 04/30/20 $23,848.15 (09/28/18, $33,407.11, WIRR180)
Down $1,528.61 this month. Almost to the $10K paid-off mark! Throwing everything I can toward debt right now. My company has temporarily reduced all salaries by 20% because of COVID, so my debt payments will slow down until salaries are put back to 100% paid.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 30, 2020 17:26:21 GMT -5
hi racers! it's been awhile... but, I'm ready to get cracking. the deed was recorded for my home sale yesterday, and I'm just waiting on the checks from both attorneys with the proceeds. in the next few days, i'll gather current numbers - which will be higher than my starting total, due to moving costs I just threw on a card. so, balances and interest rates (with promotional rates/end dates) will be updated and I'll be looking for advice on the best path of attack. thanks in advance! That is wonderful chiver!! Glad everything went through and you are looking forward to something new!
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seriousthistime
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Post by seriousthistime on Apr 30, 2020 18:44:14 GMT -5
hi racers! it's been awhile... but, I'm ready to get cracking. the deed was recorded for my home sale yesterday, and I'm just waiting on the checks from both attorneys with the proceeds. in the next few days, i'll gather current numbers - which will be higher than my starting total, due to moving costs I just threw on a card. so, balances and interest rates (with promotional rates/end dates) will be updated and I'll be looking for advice on the best path of attack. thanks in advance! Yay! And the Savers too.
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nikiz628
Well-Known Member
Joined: Jun 11, 2013 17:25:59 GMT -5
Posts: 1,447
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Post by nikiz628 on May 3, 2020 13:30:19 GMT -5
UPDATE: Race #4 5/3/2020RACE #4 | INTEREST RATE | STARTING BALANCE | LAST UPDATE | THIS UPDATE | DIFFERENCE | Truck Loan | 4.8% | $24.945.53 | $22,651.74 | $22,341.23 | -310.51 |
NikiZ628(4) 5/3/2020 $22,341.23 (6/26/19 $25,195 WIRR197)
Total Paid in 2020: $1,485.10 Total Amount Paid Off: $2,853.77
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