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Post by Deleted on Sept 18, 2020 12:36:57 GMT -5
Yes, she did! I didn't use the funds for paying down the cards, they are safely tucked away with my other child support that I'd squirreled away the past few years, but having it there made taking from the E Fund not as scary.
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chiver78
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Post by chiver78 on Sept 18, 2020 13:11:38 GMT -5
boy am I glad I saved cash to have on hand. I haven't posted about it in this thread, but I've got an impending septic repair that I need to at least float for now. (don't get me started on this...not today, please). and then, talking to my mom this am, I have a feeling I'll be handing over $1000 for them to get a junker car for her to tool around town and take care of the little stuff so they can finally sell their house. her 2004 sedan that has been very rarely used the past few years finally gave up the ghost this weekend when the frame rot finally took over and the frame cracked. and then, she tells me that the transmission in Dad's car is on its way out as well. to make an extremely long and frustrating story short, I offered to give her $1k for a junker* to help them continue limping along til the house sells. it is paid off, and houses of that size/style/vintage in that area have been selling for over $600k as "contractor specials". honestly, I'm most concerned with them getting out of a house they should have sold a decade or more ago. *re: junker - family friends deal wholesale cars. this is what I had through HS/college, and what my parents have had for years - 10+ year old, mechanically sound vehicles, that are driven until they are towed to the junkyard. mom's 2004 was purchased brand new after a pair of progressive jackpot slot wins on a couple Friday nights bringing Nana to the race track to get her out of the house for a night. dad had a new truck that when it finally died, he went back to the junkers as well. in any event, I have the cash on hand and if I don't see either the $1k or a reimbursement of septic repairs, I'll be okay. irritated about the latter, but whatever.
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swordguy
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Post by swordguy on Sept 18, 2020 13:22:01 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 | 8/21/2020 | $ 0 | 11/20/2019 | $145,890 | WIRR209 | 0 | Mortgage for old House SOLD | 4 | Mortgage | 9/18/2020 | $51,599 | 1/16/2020 | $230,000 | WIRR215 | -7,200 | Mortgage for new House |
Applied the escrow funds from the old house mortgage. Haven't received the insurance refund money in that amount, and PNC Bank says, "What insurance refund?", so I'll wait a week and call back. We're scheduled to sign the closing docs next Thursday, with closing finalized on the 30th. SwordGuy (2) 2/2/2020 $0 (11/20/19 $15,000 WIRR209)SwordGuy (3) 8/21/2020 $0 (11/20/19 $145,890 WIRR209)
SwordGuy (4) 9/18/2020 $51,599 (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. Don't believe anyone who tells you differently.[/quote]
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swordguy
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Post by swordguy on Sept 18, 2020 22:42:04 GMT -5
Rainy here because of the leftover bits of the hurricane so we've been doing in door chores. Finished unpacking stuff in my office and found a bag chock full of coins. Over $360 worth! Hadn't realized we had let the leftover change accumulate that much. Planning a trip to the bank on Monday!
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nidena
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Post by nidena on Sept 19, 2020 8:59:54 GMT -5
I just received my second statement from the mortgage company. It reflects my first payment but, even better, it reflects an "additional principal" payment that must have come from the actual purchase transaction. As a result, my $110,000 balance dropped to $108,687.05 in just one month. Not gonna complain about that one bit.
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chiver78
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Post by chiver78 on Sept 20, 2020 8:02:16 GMT -5
I just received my second statement from the mortgage company. It reflects my first payment but, even better, it reflects an "additional principal" payment that must have come from the actual purchase transaction. As a result, my $110,000 balance dropped to $108,687.05 in just one month. Not gonna complain about that one bit. I also just got a statement. I've been notified of the mortgage being transferred, but the first payment will be made to the brokerage. 10/1 payment is $24××.×× (I don't remember exactly, I'll send $2500) but I have an escrow balance of about $2k which is funds from closing.
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swordguy
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Post by swordguy on Sept 20, 2020 18:34:49 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 | 8/21/2020 | $ 0 | 11/20/2019 | $145,890 | WIRR209 | 0 | Mortgage for old House SOLD | 4 | Mortgage | 9/20/2020 | $49,999 | 1/16/2020 | $230,000 | WIRR215 | -1,600 | Mortgage for new House |
Got the estimate for the big trees we're getting cut down. We had set aside more than we need for that, so another payment on the mortgage! SwordGuy (2) 2/2/2020 $0 (11/20/19 $15,000 WIRR209)SwordGuy (3) 8/21/2020 $0 (11/20/19 $145,890 WIRR209)
SwordGuy (4) 9/20/2020 $49,999 (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. Don't believe anyone who tells you differently.
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chiver78
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Post by chiver78 on Sept 22, 2020 10:47:26 GMT -5
I had a few minutes here, sitting at the car dealership waiting on my service appointment. I figured I would take a look at upcoming payments going out, those I need to set up, and contemplating the upcoming septic repair and gift to my parents for the junker car. the next "low balance" in the cash flow spreadsheet shows $1900 after I make my first mortgage payment next week (including planned payments to be set up, too), and I was getting a little twitchy about it.
logging in to my CU account, the most recent transaction there was a $1k transfer to my American Express account - the high yield savings. I completely forgot that I had put back the excess that I had taken for closing costs. there's also that $1k buffer I dropped in the CU savings account to get the 6% interest return. if the septic repairs and car note go over that $1900, I can borrow from either for a couple weeks til my next paycheck. I forgot what it is like to have a small EF....I ran for so long, so close to the edge. whoooooo......... there goes the deep breath. I don't ever want to be in that position again.
ETA: I spoke too soon. apparently I have a cracked shock in my car. I don't have time to stay today, so I rebooked for next Tuesday. I'll come early and leave them my car for the day, taking a loaner with me. however, thats another $500. 👎
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debthaven
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Post by debthaven on Sept 22, 2020 12:04:56 GMT -5
Good for you chiver78 for having those savings!
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muffyinthered
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Post by muffyinthered on Sept 23, 2020 12:38:09 GMT -5
MuffyintheRed#2 09/23/2020 $172,953.59 (06/22/2020 $175.394.16)
Amount paid off: $842.58
CU Savings - $25,516.70
This has been a crazy month. We had to make corrects to our pellet stove exhaust vent and we had to have our pellet stoves checked out for the coming winter. Then my husband had surgery in a very delicate spot and he has been miserable ever since. And we had to order a new toilet! So payoff hasn't been a priority.
But was able to go down to the next lower thousand. That is my goal to decrease that every month.
Congratulations Nidena on the new job. Best wishes that you love it.
Hoping everybody is staying well.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Sept 24, 2020 9:52:05 GMT -5
I don't play this 0% interest game well at all. I know I should just be paying the minimums since I have a year to pay it off, but it just drives me nuts having it out there. MPL 1/20/2020 - $8,057 MPL 2/6/20 - $6,057 MPL 2/25/20 - $4500 MPL 3/18/20 - $4000 MPL 4/21/20 - $3500 MPL 5/18/20 - $2300 MPL 6/19/20 - $1800 MPL 7/21/20 - $2422 ($1122 laptop added to debt) MPL 8/17/20 - $1822 I couldn't take it anymore. Raided the emergency fund and paid it all off. MPL 9/15/20 - $0I am going to race the mortgage next, but am going to wait for this refinance to go through first. Which reminds me, I should email them. I locked my rate back in July and still don't have a closing date.
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nikiz628
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Post by nikiz628 on Sept 24, 2020 14:32:22 GMT -5
Update Race #2 9/24/2020
Race #2 | INTEREST | ORIGINAL | LAST UPDATE | THIS UPDATE | DIFFERENCE | Auto Loan (SUV) | 4.00% | $32,991.93 | $8,873.75 | $8,480.97 | -392.78 |
NikiZ628 (2): 9/24/2020 $8,480.97 (3/26/18 $32,991.93) Total Paid in 2020: $3,465.13 Total Paid Overall: $24,510.96*My goal for 2020 is to get this loan under $7,500.....
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chiver78
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Post by chiver78 on Sept 25, 2020 8:15:58 GMT -5
I *think* the plumbing issues have been resolved. after a couple hours at the house, the guys cleared something really gross and we had all faucets and showers running full blast and toilets flushing. I have a lot of cleaning to do now, bleaching the basement floor and both showers. total costs were $600 to the guys and another $100 to replace a part they broke on a company tool for a side job. but they told me that similar work on an official call would have run me close to $3k. I am absolutely okay with all of this. oh, and I'll pick up a dinner tab in a couple weeks when neither is on call. I just took a look at my spreadsheet, and this $ was absorbed pretty easily into the cash flow. I was able to split the $1k payments to two different cards in half, paying another half in 2w when I get paid again. I'll still be able to pay the full planned amount this month, AND be able to give my parents $ for a junker car. yay! Tuesday's car service will go on a card, but at 0% so I can pay that off over time.
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swordguy
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Post by swordguy on Sept 25, 2020 8:28:25 GMT -5
I *think* the plumbing issues have been resolved. after a couple hours at the house, the guys cleared something really gross and we had all faucets and showers running full blast and toilets flushing. I have a lot of cleaning to do now, bleaching the basement floor and both showers. total costs were $600 to the guys and another $100 to replace a part they broke on a company tool for a side job. but they told me that similar work on an official call would have run me close to $3k. I am absolutely okay with all of this. oh, and I'll pick up a dinner tab in a couple weeks when neither is on call. I just took a look at my spreadsheet, and this $ was absorbed pretty easily into the cash flow. I was able to split the $1k payments to two different cards in half, paying another half in 2w when I get paid again. I'll still be able to pay the full planned amount this month, AND be able to give my parents $ for a junker car. yay! Tuesday's car service will go on a card, but at 0% so I can pay that off over time. You know you're making real progress when what used to be a financial emergency has been downgraded to a nuisance!
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chiver78
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Post by chiver78 on Sept 25, 2020 8:49:26 GMT -5
exactly! I miss this. I joined this group in 2008 after buying way too much house for what I could actually afford. I managed to pay down almost all of my original number before making a series of really bad choices to find myself in the hole reflected by my start number now. I am now erring on the side of caution in planning spending/paydown, for exactly that reason - much better to have a nuisance than an emergency!
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Minnesotagirl7
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Post by Minnesotagirl7 on Sept 25, 2020 10:45:45 GMT -5
Shoutouts! ners- Nice update! You’re closing in on $29k paid off! swordguy- Woo hoo for all your great progress! Looking forward to your next couple updates! MPL- Congrats on your win!!! muffyinthered- Way to still make the numbers go down, despite everything going on! nikiz628- Great update! I know you’re going to hit your goal!! Smileys are updated! Smileys Link
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swordguy
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Post by swordguy on Sept 25, 2020 14:03:42 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 | 8/21/2020 | $ 0 | 11/20/2019 | $145,890 | WIRR209 | 0 | Mortgage for old House SOLD | 4 | Mortgage | 9/25/2020 | $48,999 | 1/16/2020 | $230,000 | WIRR215 | -1,000 | Mortgage for new House |
Signed some papers to sell the remaining house yesterday. Closing still scheduled for the 30th. I think the electrical work will be less than we originally expected. SwordGuy (2) 2/2/2020 $0 (11/20/19 $15,000 WIRR209)SwordGuy (3) 8/21/2020 $0 (11/20/19 $145,890 WIRR209)
SwordGuy (4) 9/25/2020 $48,999 (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. Don't believe anyone who tells you differently.
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Maryland Monroe
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Post by Maryland Monroe on Sept 25, 2020 19:20:30 GMT -5
swordguy, will you be completely debt free when your mortgage is paid off?
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swordguy
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Post by swordguy on Sept 25, 2020 20:05:44 GMT -5
swordguy , will you be completely debt free when your mortgage is paid off? Yes!
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nikiz628
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Post by nikiz628 on Sept 25, 2020 21:50:41 GMT -5
I can't remember if I shared here or not but DS1 took a tumble on recess about 4-5 weeks ago and managed to break his wrist into his growth plate. Thankfully, just a crack, not a true break so he didn't need a cast. He's been in a removable splint since then. I am DREADING the ER bill. Our insurance doesn't cover crap until the deductible is met.
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swordguy
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Post by swordguy on Sept 25, 2020 22:08:00 GMT -5
I can't remember if I shared here or not but DS1 took a tumble on recess about 4-5 weeks ago and managed to break his wrist into his growth plate. Thankfully, just a crack, not a true break so he didn't need a cast. He's been in a removable splint since then. I am DREADING the ER bill. Our insurance doesn't cover crap until the deductible is met. So sorry for the little guy! And your budget, too.
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debthaven
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Post by debthaven on Sept 26, 2020 3:59:38 GMT -5
Oh I'm sorry Nikiz
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nidena
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Post by nidena on Sept 27, 2020 13:10:39 GMT -5
I've mentioned that this new job will double my working income each month. I haven't received the offer yet--next week, after they've hashed out the details--but I KNOW it'll be a gross of AT LEAST $40,000 annually. Once I receive the official offer, I'm going to schedule the second $1000 that I have allocated to student loans this month which will bring that total down to $2700. In October, I will pay them off completely. I haven't been told what my pay schedule will be for the new job so I'm unsure if it's weekly or biweekly. I'm assuming biweekly but, no matter, I'm still going to have $3000-$4000/mo to work with. Things to pay off: Vehicle $23,000 CC $7,000 Things to fund: Home Improvements $8,000 Funeral Expenses $3,000 IRA $4,500 Other long-term savings goals The highest my income has ever been is $4400 back when I was Active Duty. It's a little intimidating to have such a huge jump in funds. Just posting again about my plans so I have a place to reference them. Oct 1st disability will pay for the living expenses for the month with a little leftover Oct 1st pension, combined with the bit leftover from disability will be put towards the SLs with an approximate payment of $2000. These deposits will show as available to spend on Sep 30th so I will schedule the SL payment for Oct 1st. Oct 2nd new paycheck will go towards the remaining balance of the SLs I'm not sure if this will show as pending on Oct 1st or just show in my account on the 2nd so I'll wait until it hits to schedule the payment. I may even just wait until ALL deposits have hit my account and make ONE payment to Nelnet. That is sounding like the "most likely" scenario and my SLs would be paid off NLT the end of the week.
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swordguy
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Post by swordguy on Sept 28, 2020 13:09:29 GMT -5
Buyer's closing attorney hasn't completed their work on time, so it looks like the sale will happen next week instead of this Wednesday. Grrrr...
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muffyinthered
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Post by muffyinthered on Sept 28, 2020 15:44:11 GMT -5
nidena: So you like your new job? You haven't mentioned how it is going. Sounds like you have great plans to get your finances where you want them, at 0!
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chicg
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Post by chicg on Sept 28, 2020 19:25:25 GMT -5
Wow, a lot to catch up on. I feel like I'm not making any progress after reading everyone's awesome updates.
Congrats on the win MPL!
Nidena, congrats on the new job. Wow, your take home pay is as much as mine and my salary is quite a bit above the higher end of the range you mentioned. That difference in taxes, and I'm guessing insurance and 401K deductions is huge. It kind of makes me want to stop 401K contributions for a bit to see a higher take home (since insurance/taxes aren't an option) pay until my debt it cleared up. I won't but it's shocking to see the salary difference but same take home pay.
Sorry about your little one Nikiz, hope he's ok.
"Set it and forget it" was a game-changer for me during my first race here when I was just learning debt payoff, discipline, etc. I still rely on my auto payments. I also have over $15K in savings now thanks to my set it and forget it monthly autopays to savings!
Swordguy - thanks for the mask reminders! I'm so grateful to live in a city that is taking this seriously, it's allowing me to do my essential shopping and a few fun things like careful retail shopping, outdoor dining, parks, etc. I'll have to go back to being pretty isolated inside my small apartment if our numbers go back up since I'm high risk so those annoying masks have been so critical to me and my well-being. Anyhow, cheers for masks!
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chicg
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Post by chicg on Sept 28, 2020 19:46:15 GMT -5
UPDATE Chicg [2] -9/28/20, $6,977 (11/7/14, 4217.34 MPT266) $1K down since the last post but I'm late a couple weeks so I was able to make an extra payment on top of my regular autopay. That won't happen this month since I've spent a lot this last pay period, but I have another autopay on 10/14. I replaced some lounge/work from home clothes that were getting holes and tears, and was able to do a lot of social things these last couple weeks, trying to fit some fun and safe things in before winter when my outdoor options disappear. I took my friend to a fancy dinner for her 50th since I won't be going to her party due to Covid. Its been a fun few weeks but now I see why I'm making more debt payoff progress than recent years . My new-ish cats are due for their 1-yr exam/vaccinations so that will probably be about $400-500 too. I've been thinking about buying a car and I'm overwhelmed with it all. Aside from looking online, I don't really know where to start, or what kind of negotiations are possible and have no one to bounce all this off of. I need to sort out everything I'll need like the loan, insurance, city registrations/plates...this will sound stupid but the last car I bought was in 2002 and my dad helped and did most of that, I'm kind of lost! I'd like a used car, ideally around $13K with around 30-40K miles and 2016 or newer. Everyone says go with Toyota or Honda, but you can get such a better deal on other cars. I don't drive much, I wouldn't be considering one if not for Covid and new reluctance to take public transit and uber everywhere. I know that will change eventually but it's been 2.5 years car-free and I'm ready. I'd love to find something much cheaper just to get by for a couple years, not a junker but under $10K where I could pay it off in 2 years would be great but I don't really know people selling, and don't want to buy a lemon from an online random person. I'm really impressed, and jealous, with everyone's wins and progress and babies and jobs and investment properties....awesome job everyone!
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nidena
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Post by nidena on Sept 28, 2020 19:56:13 GMT -5
My living expenses are less than $1500/mo and that includes the mortgage and car payment. I have no taxes on my disability but do on my pension. I'm not sure what my taxes will be on my new paycheck. It's going to definitely bump me up a tax bracket next year. Not so much this year since there's so few months left in the year. I'm guessing. I don't actually know for sure. I just signed up today for 401k deductions to a Roth account. The best part is that my new job is for a financial advisor--two, actually--so all those things that I don't currently know, I will be learning about the whole time I'm at work. The numbers nerd in me is super excited to be in the job. The "I hate not knowing things" part of me is dreading the job. lol. There is SO MUCH to learn in this job. In conversations with my boyfriend--he offers some input whereas I mostly just talk to get things said out loud so that I can hear how it sounds, kind of like posting on here--my focus is to pay off the SLs (this coming pay period), pay down the CC to "pay off monthly" levels (will take a few paychecks), and pay down the car enough to get it where the trade-in value is worth more than I owe and then trade it in for Pilot. BUT, I don't plan on trading it in until I've saved up enough to just walk into the dealership with a lunchbox full of money. So, my focus is to pay off a total of, roughly, $17,000 in debt by the end of 2020. And it blows my mind that I just might be able to do that. I still won't have any furniture in my spare bedrooms or my living room but that will feel so much better.
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swordguy
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Post by swordguy on Sept 28, 2020 22:08:46 GMT -5
nidena, I'm so happy for the well-deserved change in your fortunes! Don't worry about the furniture, you don't need it right now. And decent furniture can be found really inexpensively if you look for it over time. (We know, we did it for years!) Getting that debt paid down pronto is really the best decision. I didn't catch the reason why you need a new car? What's wrong with the current one? Or are you cutting expenses with the trade-in? Oh, one other thing, you can learn a lot working for financial advisors. Just remember that a lot of advisors push folks into investments based on how much money their employer will make, not how much the investor will make. I've read of some really scuzzy deals that are pushed onto their marks. So be careful you don't become a mark, too. If the advisors work on a "fiduciary advisor" basis that's a good sign. Check out the personal finance "FIRE" movement. Google "JL Collins Stock Series" for an easy to understand investment approach that doesn't require expensive advisors or fees, one that would be suitable for a veritable host of folks. Best of luck in your investing!
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sealy
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Post by sealy on Sept 28, 2020 23:48:01 GMT -5
Great news! - My bank decided to drop my PMI/MIP! (I'm not sure what the actual name is) They said it will be dropped as of 11/01/2020 but I checked my account and it has already been dropped I'm so excited!
- I FINALLY finished my doctorate degree! I paid cash up front but never finished the final requirements. But I did it!
- I wasn't expecting this but I received a stipend for earning my doctorate. I wasn't going to ask about it but my coworker encouraged me and HR said I would receive the stipend.
I plan to save the unexpected monies. I add more to my EF.
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