chiver78
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Post by chiver78 on Aug 6, 2020 9:17:24 GMT -5
keeping up the pace as best I can! I had intended to pay off the Discover by this update, but sent more toward the BofA card to minimize some damage I did with vet appointments. pup is recovering nicely, and Discover will be paid off next paycheck. I know that I won't have a mortgage payment til 10/1, so I've got one more really good update before my pace slows down a bit. I'm also still waiting on a refund for my flood insurance from the last house. I'm annoyed, to say the least. that's $2300, and I'll probably sit on that for a little while to make sure there's no surprises with closing and moving. I'd rather have cash available than have to card it. ETA: I have been leaning toward keeping my Chase CC when all of this dust settles out. I just got my replacement card today (I have no idea where the existing one is, it's not with the rest of my BT cards, so idk) when they issued me a new number last week. I have pulled the BofA card out of my phone wallet, replacing it with the Chase for the short term. I'll use this for day-to-day, like cash-free groceries in the time of COVID, keeping the account open b/c I'm using it. so for now, I've got a couple subscription charges for ~$100/mo on the AmEx that are on automatic payment, and then one Discover (currently listed at $0) as my card for Amazon - to keep those cards used and open. I'm paying the Discover as soon as the charge posts. I think these might be the three to survive moving forward. I prefer the CS from Discover and Amex, but they aren't accepted everywhere. the Chase is a VISA, solid backup. I might also want to keep one of the Citi cards, b/c those unlock early access to concert ticket sales around here. creditor | start | 8/6 | interest rate | Chase | $9856.41 | $0
| 16.49 | Discover #1 | $14,278.26 | $2515.27 | 12.49 | AmEx Blue | $12520.02 | $0 | 11.99 | Discover #2 | $16,553.65 | $0
| 14.49 | 1st National | $24,168.63 | $22,567.56 | 5.99/life of balance | BofA #1 | $11,813.71 | $13,810.61 | 9.99 | Citi #1 | $4394.29 | $0 | 13.49 | SMCU | $11,958.93 | $11,151.43 | 2.99/13.99, resets 1/21 | Citi #2 | $12,826.10 | $12,172.03 | 0.99/23.49, resets 4/21 | BofA #2 | $7820.39 | $0 | 19.49 | BCU | $12,304.92 | $0 | 13.49 | total | $138,495.31 | $62,216.90 |
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chiver78 8/6/20 $62,216.90 (5/9/20 $138,495.31)
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swordguy
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Post by swordguy on Aug 6, 2020 13:40:08 GMT -5
Before the 0% came through - the 3.75% were the lowest interest rates. For any extra payments - should I pay on the 3.75% that are currently the highest interest rate? Or should I pay toward the loan that has the highest regular interest rate? That may or may not resume interest/payment in October? I'm thinking the 3.75% as those are actually garnering interest......and continue to hope and pray for a continuation on the 0%. Those two 3.75% loans are so small compared to the rest that the financial impact of making the right guess or the wrong guess truly doesn't matter much. I would just pay them off first because that's two less things to worry about.
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debthaven
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Post by debthaven on Aug 6, 2020 15:40:16 GMT -5
Great updates chiver and rukh
Chiver why keep the chase which has such a high interest rate?
I count 11 cards!!! So keep whichever ones you want but please close the rest off!!! Maybe wait till you close but nobody needs 11 cards!!! I’m guessing you’re hoping for better BT offers but surely you could close 1 card every few months once you close?
They may even give you better offers lol.
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chiver78
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Post by chiver78 on Aug 6, 2020 17:24:55 GMT -5
d'oh! 🤦♀️ the tag line is right, I'll go edit. thank you...
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chiver78
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Post by chiver78 on Aug 6, 2020 17:27:51 GMT -5
Great updates chiver and rukh Chiver why keep the chase which has such a high interest rate? I count 11 cards!!! So keep whichever ones you want but please close the rest off!!! Maybe wait till you close but nobody needs 11 cards!!! I’m guessing you’re hoping for better BT offers but surely you could close 1 card every few months once you close? They may even give you better offers lol. I dont intend to carry a balance, so the rate doesn't matter at that point. the rewards and perks are better. so, when i change my EZ Pass and subscriptions to that card, charges I am paying off each month already anyway, seems like a no-brainer. as far as canceling, whatever is getting cancelled is happening in one shot, down the line when more is paid off. Ive already said I am not keeping all these accounts, you can stop pointing out that I havent cancelled any yet. thanks... 🙂 ETA: while I was updating my balances today, I made a point to log in to every account (including the zeros) to see what BT offers were available, for any card. 0-for-11. has anyone seen a BT offer since COVID shutdowns got going? 🤷♀️
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nidena
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Post by nidena on Aug 6, 2020 17:59:25 GMT -5
Emailed my old apartment manager after yesterday's post. The check was scheduled to be mailed in time for them to receive it by Aug 3rd. She said they haven't received it yet. Tomorrow, I'll go by there and give them a handwritten check. Hopefully, they'll deposit it very soon afterwards so that it clears.
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swordguy
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Post by swordguy on Aug 6, 2020 18:08:47 GMT -5
Emailed my old apartment manager after yesterday's post. The check was scheduled to be mailed in time for them to receive it by Aug 3rd. She said they haven't received it yet. Tomorrow, I'll go by there and give them a handwritten check. Hopefully, they'll deposit it very soon afterwards so that it clears. Trump's new appointee has screwed up the post office big time. Folks need to allow for more time nowadays.
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nidena
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Post by nidena on Aug 6, 2020 19:00:28 GMT -5
Emailed my old apartment manager after yesterday's post. The check was scheduled to be mailed in time for them to receive it by Aug 3rd. She said they haven't received it yet. Tomorrow, I'll go by there and give them a handwritten check. Hopefully, they'll deposit it very soon afterwards so that it clears. Trump's new appointee has screwed up the post office big time. Folks need to allow for more time nowadays. No doubt. "Improvements" to make them go out of business.
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seriousthistime
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Post by seriousthistime on Aug 6, 2020 19:50:10 GMT -5
There is a German word for worsening through improvement. Schlimmerbesserung.
Anyone with knowledge of German, please feel free to correct my definition or spelling.
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debthaven
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Post by debthaven on Aug 7, 2020 1:52:36 GMT -5
Sorry Chiver. Not another word about it.
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ners
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Post by ners on Aug 7, 2020 5:50:20 GMT -5
Update Race 2
7547.77 (4/21/2018 $12,161.07 R172)
170.10 paid this month.
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nidena
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Post by nidena on Aug 7, 2020 8:01:34 GMT -5
There is a German word for worsening through improvement. Schlimmerbesserung. Anyone with knowledge of German, please feel free to correct my definition or spelling. The only thing that is improving in the post office situation is the word improving. The new Postmaster General has a vested interest in making it fail. And I've seen (or heard about) numerous things, just since I moved into my house, that would piss me off royally at the post office: carriers who don't stop to pick up outgoing mail, carriers throwing mail on porch furniture rather than putting mail in the box, not delivering mail, and now this with the mail that should have been delivered by the 3rd (I KNOW my bank mailed it in time because I've paid rent like this since April) and it still hasn't made it. Many people will be just pissed at their local office, not knowing that the changes come from higher up.
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chicg
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Post by chicg on Aug 7, 2020 12:59:29 GMT -5
update
Chicg [2] -8/7/20, $7,977 (11/7/14, 4217.34 MPT266)
$500 paid since last update on 7/14
Woo hoo, in the 7000's! Slow month for updates but I spent a bit visiting my mom and want to get that paid down with my next check. I'm using my travel BofA card for groceries, Chewy.com and pet insurance, and typically pay it off monthly, but I put my car rental and some Michigan charges on it. I think as long as I keep the balance under $500 I'm not going to race it since it will always have some monthly charges on it. I'm trying to use it for points, but keeping those recurring charges limited for now so I don't mess up and end up with a big balance, and it was used for travel costs for the benefits...pre COVID of course.
Chiver - I just checked and I have a BT offer with Discover, 0% for 12 months. Citi and Chase didn't have any offers, BofA didn't have any advertised but had several cards they were advertising, so looks like they want you to open a new card and can use that to transfer, but it didn't look like I could transfer to my current one without requesting. Maybe contact one and see if they can offer you something? (If/when you're interested?). Usually I have offers with all my cards.
Don't get me started about the post office. Aside from the new Postmaster General having a vested interest in making it fail, voter suppression is going to be a huge problem.
Nidena, my mail in Chicago is awful, I've filed several complaints and I guess there's a big ongoing investigation with my zip code. I've had all those situations you describe happen. I HATE when they shove the mail for my whole building under the door so it ends up in a big, ripped pile in our entry area, instead of coming inside and putting it in our individual locked boxes. And our carrier always changes so there's really no one we can talk to.
Two big money things I'm contemplating are grad school and a car. Lockdown and hesitancy to ride public transit now has made me really feel stranded, and it's looking like the only travel I'll be able to do anytime soon is by car, and visiting mom during her cancer treatment. I don't want to spend more than $12-14K, preferably less, and under 40K miles or so, but I'm ready for a nicer car than my old Cavalier which I had for 16 years. I rented a Corolla, and an Elantra, and I didn't like how either felt comfort-wise while driving, so that made me realize I need to go look in person for final decisions. Those are common options in my price point so it sucks that I wasn't a fan. Grad school is another story. My company is doing a cohort program for an MBA and even with a 25% discount, the program is $48K (I think that was it). Another Masters in Environmental Mgmt and Sustainability I was looking at is $56K. OUCH. I know the MBA is a better overall degree to get, but the enviro one is more related to my current job and of more interest, I just don't know if it will be of much value with the job market over the next few years. UGH. My company will reimburse up to $5K/yr depending on grades, I don't want to count on that right now since I'm sure layoffs are in the future, we're deep into cost saving measures already.
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chiver78
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Post by chiver78 on Aug 7, 2020 14:39:55 GMT -5
thanks, chicg. I don't need to worry about it for a few months until the next rate reset, I'm sure something will come up by then. I wonder if the addition of a new mortgage to the debt totals will trigger some algorithm for them to send me a carrot. lol...
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debthaven
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Post by debthaven on Aug 7, 2020 15:24:28 GMT -5
Chiver I was wondering if that might happen when you pay off the other Discover card, because then you’ll owe them zero on both cards. I’m guessing they won’t like that so maybe they’ll give you a better offer.
Also wondering if it’s worth phoning the different companies, but I admit I don’t know all that much about it.
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chiver78
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Post by chiver78 on Aug 7, 2020 15:44:14 GMT -5
they were actually both sending me offers when I had them both close to max with BTs already. so who knows how the algorithms work. the next rate to reset happens in January, then April. and honestly, whatever offer I get, I'm going to transfer the April one first b/c that one goes to 23% or something nuts like that. in the meantime, not terribly worried about it. looking at what's left, the single biggest piece is that 5.99% for the life of the balance. that's going to sit there, getting paid minimum plus interest, until everything else is gone. I'll get there
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nikiz628
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Post by nikiz628 on Aug 7, 2020 15:46:31 GMT -5
There is a German word for worsening through improvement. Schlimmerbesserung. Anyone with knowledge of German, please feel free to correct my definition or spelling. The only thing that is improving in the post office situation is the word improving. The new Postmaster General has a vested interest in making it fail. And I've seen (or heard about) numerous things, just since I moved into my house, that would piss me off royally at the post office: carriers who don't stop to pick up outgoing mail, carriers throwing mail on porch furniture rather than putting mail in the box, not delivering mail, and now this with the mail that should have been delivered by the 3rd (I KNOW my bank mailed it in time because I've paid rent like this since April) and it still hasn't made it. Many people will be just pissed at their local office, not knowing that the changes come from higher up. Last month the Indianapolis distribution center "lost" our entire city's water bills. Not one resident received their paper statement, and that's the only way we can get them here.
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nidena
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Post by nidena on Aug 7, 2020 15:56:51 GMT -5
The only thing that is improving in the post office situation is the word improving. The new Postmaster General has a vested interest in making it fail. And I've seen (or heard about) numerous things, just since I moved into my house, that would piss me off royally at the post office: carriers who don't stop to pick up outgoing mail, carriers throwing mail on porch furniture rather than putting mail in the box, not delivering mail, and now this with the mail that should have been delivered by the 3rd (I KNOW my bank mailed it in time because I've paid rent like this since April) and it still hasn't made it. Many people will be just pissed at their local office, not knowing that the changes come from higher up. Last month the Indianapolis distribution center "lost" our entire city's water bills. Not one resident received their paper statement, and that's the only way we can get them here. What? Oh, for the love of Pete! I'm still waiting on my final IPL bill for the apartment. The apartment complex got my check today. They called me but I didn't get the message until I was already parked--I tend to not check my cell when I'm driving. So, I don't need to put a stop-payment on the one check and they said they'd deposit it today. A few more days and it should clear my account.
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chiver78
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Post by chiver78 on Aug 7, 2020 15:59:30 GMT -5
oh wow, what a mess. hopefully they at least recognize the egg on their face and aren't going to try to charge late fees or anything!
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debthaven
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Post by debthaven on Aug 7, 2020 16:45:33 GMT -5
That's a lot of money Chic, but it might be worth getting a Masters. Do you have anyone who can give you solid advice? Also, how long would it take you if you're working FT, since you say they'll pay up to 5K per year? I can understand wanting the car so you can visit your mom. FWIW, while my DS1/DDIL/DGS were in Boston, they rented a car 2 or 3 times a month. Could that be an option? FWIW, if you DO decide to go for a Masters, I wouldn't race that, I would "set it and forget it". Best of luck as you figure it out.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Aug 7, 2020 17:21:36 GMT -5
Grad school is another story. My company is doing a cohort program for an MBA and even with a 25% discount, the program is $48K (I think that was it). Another Masters in Environmental Mgmt and Sustainability I was looking at is $56K. OUCH. I know the MBA is a better overall degree to get, but the enviro one is more related to my current job and of more interest, I just don't know if it will be of much value with the job market over the next few years. UGH. My company will reimburse up to $5K/yr depending on grades, I don't want to count on that right now since I'm sure layoffs are in the future, we're deep into cost saving measures already. One thing I wish I'd done was get into grad school sooner, so I could go through the program more slowly and have that $5,250/yr pick up more of the tab. Are you getting the max allowed by IRS - 5,250? Does your job pay the first 5K? or 50% up to 5k? or up to 25%, etc? Can you wade in slowly, take a few classes, and see if it motivates you, or sucks out your energy? Especially if you can take one free/nearly free class/yr, could be something nice during quarantine.
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swordguy
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Post by swordguy on Aug 7, 2020 18:52:54 GMT -5
Charity house is under contract with a wholesaler. For those not familiar with the term, a wholesaler is **like** a realtor who specializes in selling houses to real estate investors, particularly houses that need work that prevents a standard retail sale with a standard mortgage. I say **like** a realtor because they are legally NOT a realtor. They aren't selling a house on our behalf like a realtor would. Instead, they have a contract that allows them to purchase the property for known terms. They sell that contract for a finders fee to real estate investors. I was hoping to get lucky and get an investor as our first purchaser but that didn't happen. So, if they are successful in finding buyers, we'll be done with the property by the end of September. They seem pretty savvy and the property would be a good investment at the price, so I have a reasonable expectation of them finding a buyer. We'll see. We were going to renovate the charity house and set it up as a non-profit group home. Instead we're going to sell it, pay off our mortgage, and then donate $1K per month until we've donated the same amount as the proceeds we get from selling it. Holding onto the property costs us about $3000 a year in taxes , insurance and minimum utilities. That $3k per year works out to $250 per month. Even with $1K per month in charitable donations, our cash flow will improve by over $900 per month. And at the end of about 4 1/2 years when we've donated what we promised to ourselves, it will be even higher.
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forwardwego
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Post by forwardwego on Aug 8, 2020 6:46:54 GMT -5
Last month the Indianapolis distribution center "lost" our entire city's water bills. Not one resident received their paper statement, and that's the only way we can get them here. What? Oh, for the love of Pete! I'm still waiting on my final IPL bill for the apartment. The apartment complex got my check today. They called me but I didn't get the message until I was already parked--I tend to not check my cell when I'm driving. So, I don't need to put a stop-payment on the one check and they said they'd deposit it today. A few more days and it should clear my account. Commenting on USPS. I delivered mail 1987-2017, all in one town, though I don't think the overall perspective differs from most others who worked the same timeframe i did. The first few years I enjoyed my job, especially after I had enough years to get my own assignment/route. Of the second part, the "climate" was deteriorating. Managers came through like a revolving door. We endured some awful ones, saw a few good ones, and I was depressed when the good ones left because I feared who was next. Also in the early 1990's machine sorting of mail over manual (people) sorting of mail began to ramp up, understandably. However, the handling of that timeframe was pivotal. In retrospect I believe it was a huge contributor to a downward path. A "new" "level" of job was created called TE/Transitional Employee. TE's had no career prospect. The usual entry level to a USPS career job was called PTF/Part Time Flexible, and there was a freeze on hiring those. The concept being TE's would be hired knowing that when the machine sorting process was fully operational their job as a TE would end, rather than hiring PTF's since they wouldn't be needed soon thereafter. I see that time as a pivotal downturn. TE's were treated "less than". And though incidents of brow beating were already not uncommon, they rose significantly. The transition to machining took longer than was envisioned, and some types of mail would not fit machines. Eventually TE's who had military time to their credit were offered career positions. Also some other TE's eventually got hired (as PTF's I think.) So others began to foster hope they would get a job but just got strung along from year to year. 51 week job, let go, then another 51 week job, etc. All the while many other pressures built. More online communication, less letters and documents. Downsizing of labor level workforce, though still plenty of management, ugh. I am not into politics, but my personal experience is that years with Republican presidents usually meant extra problems at USPS. So here we are, I don't have answers, but i know what I saw happen. And some of it haunts me ETA: Maybe this isn't the place for this post. However there are connections for me to debt elimination, and maybe can serve as lesson and warning. I didn't have a good plan B for employment, and I had debt as this was happening. My membership and participation as a WIR helped get me through, and thank you.
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nidena
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Post by nidena on Aug 8, 2020 9:36:24 GMT -5
In looking at old bills, my IPL (electric) bill cycle doesn't end until the 14th so it's, at least, another week before I get the final bill for the apartment. Although, I feel like the cycle would have closed as soon as I called them to transfer the electric back over to the complex. And I can't look it up online because it's no longer in my name.
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swordguy
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Post by swordguy on Aug 8, 2020 12:22:08 GMT -5
In looking at old bills, my IPL (electric) bill cycle doesn't end until the 14th so it's, at least, another week before I get the final bill for the apartment. Although, I feel like the cycle would have closed as soon as I called them to transfer the electric back over to the complex. And I can't look it up online because it's no longer in my name. Any utility with a clue wants to get a final bill out as soon as possible. Every day they delay lowers the chance of them getting paid. (I did some consulting for a utility company back in the day.)
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movinonup
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Post by movinonup on Aug 9, 2020 9:03:13 GMT -5
update - movinonup: 08/01/2020 $236,666.11 (02/12/2013 $309,217.65 NE100) NYAccount | Standard Interest Rate
| Monthly Interest
| 02/12/2013
| 07/01/2020 | 08/01/2020 | Balance Reduction Since Last Update
| Total Balance Reduced
| Percentage Reduced
| LOC | 18.24% | $43.18 | $3,500.00 | $1,303.05 | $0.00 | $1,303.05 | $3,500.00 | 100.00% | CC#1 | 18.99% | $0.00
| $20,688.08
| $0.00 | $0.00 | $0.00 | $20,688.08 | 100.00%
| CC#2 | 16.99% | $32.66 | $(8.16)
| $2,334.09 | $2,411.63 | $(77.54) | $(2,419.79) | (29,654.29)%
| CC#3 | 19.99% | $0.00 | $10,300.00
| $11,814.00 | $81.50 | $11,732.50 | $10,218.50
| 99.21%
| CC#4 | 16.99%
| $58.54 | $9,135.05
| $4,198.75 | $4,193.79 | $4.96 | $4,941.26
| 54.09% | CC#5 | 10.99% | $0.00 | $4,910.22
| $12,421.33 | $219.77 | $12,201.56 | $4,690.45
| 95.52%
| CC#6 | 0.00% | $0.00 | $1,239.00 | $0.00 | $6,489.17
| $(6,489.17) | $(5,250.17) | (423.74)% | CC#7 | 20.99% | $0.00 | $0.00 | $0.00 | $0.00
| $0.00 | $0.00 | 0.00% | SL#1 | 3.50% | $22.52 | $23,021.50
| $7,830.58 | $7,666.06 | $164.52 | $15,355.44 | 66.70%
| SL#2 | 6.80% | $0.00 | $4,748.54
| $0.00 | $0.00 | $0.00 | $4,748.54
| 100.00%
| SL#3 | 6.55% | $0.00 | $2,533.57
| $0.00 | $0.00 | $0.00 | $2,533.57
| 100.00% | MTG | 3.875% | $637.97 | $220,170.76 | $197,133.77 | $197,133.77 | $0.00 | $23,036.99
| 10.46%
| Auto
| 4.24%
| $0.00
| $8,979.09
| $0.00
| $0.00 | $0.00
| $8,979.09
| 100.00%
| HELOC | 2.25% | $60.74 | $0.00 | $18,509.68 | $18,470.42 | $39.26 | $(18,470.42) | 0.00% | Total
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| $855.61
| $309,217.65
| $255,545.25 | $236,666.11 | $18.879.14 | $72,551.54 | 23.46%
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EF = $385.09 These numbers are from August 1, as I always post my numbers from the first of the month or my WIRRiversary. Construction continues at my house, so it's possible that I'm going to be charging more on my credit cards again. The electrician needs about another week. The HVAC guys are done installing the ductwork. The geothermal crew should be back this week to do some work. Thankfully, there was no damage to the house from the Tropical Storm. I did take advantage of the power outage to trim some branches that were above my power line. CC#6 was all appliances. I bought during the July 4 sale and got 2 years interest free financing. Of course, I do need to make sure that I pay the balance in full, otherwise all of the accrued interest gets charged. I charged flooring on the card that I use every day, which is one of the few accounts I don't track here, since my intent is to always pay the balance in full each month. -movinonup
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Deleted
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Post by Deleted on Aug 9, 2020 18:09:14 GMT -5
There is a German word for worsening through improvement. Schlimmerbesserung. Anyone with knowledge of German, please feel free to correct my definition or spelling. Schlimmbesserung. Some words are really hard to translate. Unintended consequences. If it ain't broke, don't fix it
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nidena
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Post by nidena on Aug 10, 2020 14:19:15 GMT -5
Called IPL this morning. They combined the bills for both addresses into one bill which just posted on Friday. I was finally able to make an online account to see the details and scheduled the payment for tomorrow. That apartment and its appliances were definitely an energy-suck. With the crappy a/c always running, having to run each spin cycle twice, and each load twice in the dryer, it's no wonder my bill at the apartment was higher. So, now, waiting for that payment to go out and still waiting for the termination check to clear.
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forwardwego
Well-Known Member
Joined: Dec 22, 2010 3:54:23 GMT -5
Posts: 1,395
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Post by forwardwego on Aug 11, 2020 2:44:11 GMT -5
UPDATE Forwardwego 8/11/2020 $11,400 (11/3/2019 $38,648. C208)
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swordguy
Established Member
Joined: Dec 26, 2010 18:07:07 GMT -5
Posts: 446
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Post by swordguy on Aug 11, 2020 17:03:59 GMT -5
Race # | Description | Update Date | Current Amt | Race Start Date | Race Start Amt | 1st Page # | Change | Notes | 2 | HELOC | 2/2/2020 | $ 0 | 11/20/2019 | $ 15,000 | WIRR209 | 0 | Funding Renovations on Houses #6 and #7 | 3 | Mortgage | 7/5/2020 | $137,530 | 11/20/2019 | $145,890 | WIRR209 |
| Mortgage for old House | 4 | Mortgage | 7/29/2020 | $173,027 | 1/16/2020 | $230,000 | WIRR215 | -50,009 | Mortgage for new House |
Paid off the CC that had a bunch of repair expenses on it and popped most of the cash we got back from the sale of grandma's house into the new house mortgage. So, far, so good on the sale of our old home. Still keeping our fingers crossed... SwordGuy (2) 2/2/2020 $0 (11/20/19 $15,000 WIRR209)SwordGuy (3) 7/5/2020 $137,530 (11/20/19 $145,890 WIRR209)
SwordGuy (4) 7/29/2020 $173,027 (1/16/20 $230,000 WIRR215)Hope you are all doing well and stay safe. So far, so good for us. PS -- Keep up the social distancing and wear masks when you have to go out to meet people.
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