Minnesotagirl7
Well-Known Member
Joined: Dec 27, 2010 11:43:59 GMT -5
Posts: 1,821
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Post by Minnesotagirl7 on Oct 3, 2024 13:57:56 GMT -5
ners- Got your tagline updated in the last round of updates. Thanks! nikiz628- I'd never make you start another race. If that's easier for you, go ahead and do that. Otherwise, you can subtract whatever was rolled over from your current balance and from your starting total, then add in the HELOC. Or if you want to share the deets, I can help you get it tallied up. Some good news on my front - I got a job offer this week! Big relief to be going back to work. Our goals for paying off the house and retirement will be back on track. My new company does payroll once a month. That's something I've never had with a job; I've always been paid biweekly. I'll be making some tweaks to the cash flow spreadsheet, but I'm sure it will shake out fine.
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TheOtherMe
Distinguished Associate
Joined: Dec 24, 2010 14:40:52 GMT -5
Posts: 28,081
Mini-Profile Name Color: e619e6
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Post by TheOtherMe on Oct 4, 2024 10:39:20 GMT -5
When I retired, switching to being paid monthly threw me for a loop at first. I finally figured it out.
I had always been paid biweekly or bimonthly.
Being paid monthly, you don't get the extra check that biweekly gives you.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,637
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Post by nidena on Oct 5, 2024 9:36:04 GMT -5
Okay, so the .99% balance is paid off. If it wasn't resetting in two weeks, I would have let it flow but when you get paid only once a month, you have to do the big bills when the paycheck hits. Anyhoo, because I used $2100 to pay that beasty off, the AmEx will be carrying a balance this month along with the Visa that I've been working to get down for some time now. I was going to look into another BT but I don't think the fee or the work is worth it at this point. I will just keep snowballing the two remaining CC balances.
I am expecting two more deposits for my book allowance and I'll receive my housing stipend for most of October (minus Fall break days), most of November (minus Thanksgiving days), and part of December (term ends on Dec 15th). It's roughly another $4200 and, so long as I keep being mindful about my spending, should have my Visa down below $5000 by the end of the year.
I'm averaging $500/mo at the part-time job and was using that to pay down the .99% CC balance but, now that that's gone, I'll start using all of it towards my HELOC.
I'll update in a couple weeks.
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