WOMEN IN RED RACERS

[Rocky Mtn Saver]

Nov 25, 2014 20:56:20 GMT -5 teachermom said:

Rocky Mtn Saver....I get what you are saying but he isn't just trying to take advantage and do nothing. He is student teaching for 1 year....he has been on his own for the last 9. Also, as I said before, he is subbing (you can only sub for the teacher you student teach for) but that isn't all the time as he is student teaching full time....then has lesson planning and grading at night. He is looking for a job on the weekends. When I am saying he is contributing what he can, he buys groceries, cooks, does the lawn mowing, shovels snow, helps clean house, etc....so he contributes. When he has money (like when he gets the check from subbing), he plans on helping with bills. He isn't free loading. He is very generous. He also plans to help me pay off my student loans when he gets his teaching job next year and he will....math/science....dire need.

I don't think he's intending to take advantage and do nothing.  But he's a grown man approaching 30, and he needs to step up monetarily because mom can't afford to continue to take care of him as well as yourself and your sicker child.  You as his mom want to always be there for him, and that's normal and nice.  But you can't afford it.  Make a set amount monthly as his rent, what you both feel is reasonable given both of your circumstances (not just his, mom!), and he will find a way to pay for things.  He's an able-bodied young man and you raised him well; he can do this.  If you weren't here lamenting how you can't make ends meet, I would say don't worry about it.  But it seems clear that you can't afford to subsidize your grown children at this point in your life more than you absolutely must.  But that's just my 2c, given what I've read of your situation.

[murphath]

teachermom: Sounds like you are making some progress. I'd still cut up the credit cards--too much temptation. For me, that's like having a bag of potato chips in the cupboard:  they won't be there by day's end.  I've tried to "trick" myself that I won't eat them, but that's been proven false many, many times.  Better to just not have them around. 

As for a p/t job: any stores hiring in your area for the Christmas rush?  I've seen signs at Target and Kohl's.  Or perhaps, tutoring after school--both you and your DS could do that.

[teachermom]

Murpath....slowly getting a plan. I have cards locked up at home, not in wallet. Store cards are going away but keeping Cap Ones.....mainly because I travel a lot for work and a side business that I am working.....need the cc for business but always paid back with reimbursements.

We are checking out stores....we live in a small town...no retail really but Walmart. 50+ miles from Kohl's, Target, etc.

Teachermom

[trojen3]

Update: Trojen3 (2) - 11/26/14; $90,377.14 (11/10/14; $92,075.38)

Name of Debt	Current Debt	Starting Debt	Total Paid Off	% Paid Off
SL #1 - Staff Sub	$8,676.55	$17,381.02	$27.92	0.16%
SL #2 - Staff Sub	$8,676.55
SL #3 - Staff Unsub	$43,494.07	$74,694.36	$1,670.32	2.24%
SL #4 - Staff Unsub	$29,529.97
TOTAL	$90,377.14	$92,075.38	$1,698.24	1.84%

I know this chart looks a little confusing. My loan company switched the format on their whole website. Previously, they would only list my subsidized and unsubsidized loans as a lump sum and now I am able to view it broken down into the individual loans.

A little about myself since we are all re-introducing ourselves! I'm from California, born and raised, but currently living in Texas. I graduated from professional school in 2008 with $15k in credit card debt, $10k in a car loan, and roughly $420k in student loan debt. Let's just say there were MANY tearful nights at home as I realized how dire my situation was. It was way beyond overwhelming. DH (boyfriend at the time) heard about WIR and I joined racing ALL of my debt in 2009. After about a year and a half, I realized that racing all my debt was not working psychologically. There was no light at the end of the tunnel. I decided to end my race, but continued paying my minimum payments. I struggled financially the next few years, paying off the credit card debt and some of the car loan and barely making a dent in the student loans. In 2012, we moved to Texas for DH to pursue a graduate residency. Instantly I knew that I would rejoin WIR as our financial situation was drastically changing. With our severe drop in cost of living and my drastic increase in salary, I would be able to get working more quickly at my debt. In August 2012 I re-started my race with just the car loans and some of my loans (the highest interest rates) - a total of $99k. I recently paid that off, snowballing as I went, and did it ~8 months earlier than my set goal. DH and I are in a pretty good financial place now. Race #2 has now begun. I still have over $250k of student loan debt and know that it will be with me for quite some time. My tactic the last year and a half has always been to fully fund my IRA and SEP IRA first, and then throw every extra penny towards SL's. We'll continue to do that starting in January. Currently I am not making extra payments towards these loans as we are expecting our first child any day and I've been saving for my maternity leave. Hopefully there will be some extra money at the end of my 6 weeks off that I can throw towards SL #1 or SL #2.  That's my short story! I hope y'all have a wonderful, safe, and healthy Thanksgiving. I know we have a lot to be thankful for. It's always nice this time of year to remind ourselves of that, even with the chaos of the holidays!

[sealy]

Well I actually dropped my house payment off at the bank. Bill pay takes too long. I will be paying off CC number 2 and will have a lil bit left in my EF. Next to go is my car payment.

[nikiz628]

I received something in the mail today that just made my whole YEAR, and I knew you all would understand why I am so excited more than anyone else would!

After 4 years of paying $206 a week, we received this letter from our attorney:

Congratulations! You have completed all of your Chapter 13 Plan payments and you are almost finished with your bankruptcy case!



YES! We are finally at the end of this horrible, exhausting, embarrassing journey that we started in 2010. We filed on about $24,000 in debt (1/2 cc, 1/2 medical). We were also behind on our mortgage payments at the time, so they lumped that $505 payment in each month and helped us get caught back up. (So we really were only paying $319 a month towards debt debt). We just have to complete our exit counseling online, which costs $24 and takes 2 hours...and meet with our attorney to sign the dismissal paperwork! They will continue to garnish the $206 a week from H's check until the judge officially releases us. Once thats done, any money between today and then will be reimbursed to us! So, basically, we will be starting off the new year with a good cushion in our mortgage envelope. (Any money reimbursed will go towards our 1st mortgage payment that we have to make ourselves, to keep our weekly budget on track)

Like I have said before, if we could have just got our heads on straight 4 years ago and figured out that my income could have solely went to pay off debt before I became a SAHM, we never would have had to file. But, H and I joke that we always have to learn our lessons the hard way. And boy did we ever learn this time around! As much as this whole process has sucked, we really are coming out of it so much wiser in regards to finances. That's the "silver lining" I am going to take from it all!

Now- we will celebrate with a steak dinner (when we went to our hearing when we first filed, H joked that when we made it through this, he was getting a steak dinner, lol) and continue tackling our student loan race!! Debt freedom...we are one step closer!!!

[ners]

Update

84,506.56 (1/3/2011 $97,382.42 MPT5)

This debt is made up of 3 parts

64,257.15 Mortage
15,689.21 Helco
  4,560.20 Car

I am from Ohio.  I started reading back in msn days.  I had a eye opening experience when my I commented on the fact I had 24,000 saved for retirement and my boyfriend now DF said what will you live on after the first year. I was around 40 at the time.  I started making an effort to increase retirement savings and reduce debt.  In 2010 my company closed.  It took me 5 1/2 months to find a new position. This slowed my repayment and retirement savings. 

I currently save 4% and the company is currently matching 2%.

Once I have the car paid off I am going to divert most of those funds to a car repair/replacement fund as the vehicle has over 100,000 miles. 

[Rocky Mtn Saver]

Nov 26, 2014 11:59:48 GMT -5 teachermom said:

Murpath....slowly getting a plan. I have cards locked up at home, not in wallet. Store cards are going away but keeping Cap Ones.....mainly because I travel a lot for work and a side business that I am working.....need the cc for business but always paid back with reimbursements.

We are checking out stores....we live in a small town...no retail really but Walmart. 50+ miles from Kohl's, Target, etc.

Teachermom

Depending on your personality, you might check out any places that do tax preparation.  They're probably doing their training now for January. 

[teachermom]

Well....lucky enough to get my direct deposit early....was in my account today. Spent some time paying bills....here's where I stand.

Paid off:
Macy's        $121.21
Target         $535.67
Home Depot $386.50

Transferred $500 to my EF

Paid $200 deductible to pick up my car that was involved in hit and run on Halloween

Paid all monthly bills with minimum paid to other cards (except Old Navy).

Balance after this is: $1819.04

If I pay off Old Navy, that will leaves $239.04 for the whole month. Unfortunately....as much as I would love it to....that will not make it for food, gas, etc.

Also, I have added:
$125 to my EF from things I have sold
$19.68 from points on a credit card

Total in EF $644.68.

I have some reimbursements coming...$75 (in next 2 weeks), $53.60 (s/b 12/3), $20 (?), $64 (s/b 12/17)....total of $212.60 to go to EF....that would make $857.28 for the month. I still have things listed for sell and will be adding the money from the sale to EF until I get to $1000, then I am going to put all of it to debt payoff.

Now to figure out what to do.

Teachermom

[nidena]

Teachermom: Max out your EF with $355.32 of that $1800.  Then figure out how much you'll need for food, gas, and other NEEDS.  Put remaining $800-$1500 towards Old Navy.  Use your upcoming reimbursements towards other debts.

[sealy]

sealy (1): 11/28/14 $14,767.61 (2/1/13 $30,372.61 W68) difference $15,605

sealy (2): 11/28/14 $306,610.72 (12/04/12 $321,652) difference $15,041.28

[forwardwego]

[forwardwego]

Good morning WIRRS !

Washington is beautiful, have done some hiking, love love love the trees!

teachermom ,nice work on growing your EF, I like Nidena's suggestions. I would tweak that a little ... use a little to bring the EF up to $800, the reimbursements will bring it to $1K in very short order. I can't remember your Old Navy CC balance, but absolutely every $$ you can apply there. That 29.99% rate shouldn't even be legal. Drop them like a hot potato.

When I get back to Florida tomorrow, I'll have to get my finances reconciled, and am facing a 6-day work week  

This visit with our DD has done my heart and her heart good. I'll happily face the music in exchange for that

[chelsea727]

I've been back and forth multiple times, but try to keep up on the reading as much as I can.  I'm 27 from MN but now live in WI, still a Vikings fan though!   Things were going pretty well money-wise until our wedding in August of 2013.  We ended up funding quite a bit of the Wedding/Honeymoon with credit cards.  I had also been working a job that I hated..it wasn't so much the job itself, but the owners of the company weren't good people.  It was a husband and wife who probably shouldn't of been married and they took out their anger on their employees.  I never had any personal issues with them but being HR it was difficult to see how they treated employees and not be able to say anything with fear of losing my job. I was stressed out and anxious all the time and didn't really think about money, I just spent to make myself feel better.  I also gained 20 lbs...yikes! 

Then in March of this year I got a great new job at a FANTASTIC company!!!  I was feeling better and still enjoy going to work each day.  We got DH a 2005 Ford Lariat in excellent condition and were feeling pretty good.  Then my student loans came due and 3-4 of our SL's minimum payments went up which brought us to the maximum of our budget. 

 I found myself posting an update, then not posting for a month and a half and falling off the list.  I'm at the point in my life where I need the support and I'm finding it difficult to stay motivated on my own.  Does anyone have the formula/table thingy?  If I manually enter everything in I know I won't post as much.  Since starting this new job we've gone from $20k in credit cards to $17k, but our student loans combine are roughly $90k.  Baby steps right?  I would like to post my debts and budget to get some ideas from all of you wonderful ladies 


 

[seriousthistime]

I'm thinking of trying something different when I end my current race, when I begin Race #4.

First, I have to decide which debt to include in Race #4.  Once I do, I'm thinking about making minimum payments on that debt, and dumping all extra money into a savings account earmarked for debt payoff.  So in my Race #4 updates here, I would take the amount I owe on that debt, and reduce it by the amount saved for that debt payoff. I might make a few transfers from that savings account to Race #4 from time to time, or I might end up paying it all when my savings for that debt equals the amount I owe.  The debt would be at 0% interest.  I've got enough cc cards and 0% offers to transfer debt around from one to the other.

I do something similar with a few 0% special financing deals, where there are payments due each month and IF I pay off the entire balance by a certain date, there's no interest charged.  If I DON'T pay the whole thing off by that date, they charge accrued interest going back to the beginning.  I have a special savings account where I save the money for those debts so that a few weeks before the expiration of that deal I can pay off that debt.

I do have a bit of uncertainty coming along next year, job-wise, and I think I'd feel better saving the money to pay off Race #4, but not actually paying the cc company until I have the money to pay off the whole thing. More money in the bank seems a better option that paying off debt and then having to run it up again because of a job loss.

Having separate savings accounts for different goals is something I love about Capital One 360. 

[teachermom]

I love my Capital One 360 account too. Have many accounts set up for different goals, unfortunately this year was terrible and mostly have just some change in each one. That's going to change for next year though!! I need to get my car maintenance account and my home maintenance accounts built up again if nothing else. Even if I am only putting $10 or $20 a month in there....things happen and right now...so unprepared.

Hope everyone had a great Thanksgiving! We are home from my parents (3 hours away)....so time to figure out the rest of my month and apply what's left to Old Navy...then I can post an update.

Teachermom

[sealy]

Nov 29, 2014 18:24:09 GMT -5 teachermom said:

I love my Capital One 360 account too. Have many accounts set up for different goals, unfortunately this year was terrible and mostly have just some change in each one. That's going to change for next year though!! I need to get my car maintenance account and my home maintenance accounts built up again if nothing else. Even if I am only putting $10 or $20 a month in there....things happen and right now...so unprepared.

Hope everyone had a great Thanksgiving! We are home from my parents (3 hours away)....so time to figure out the rest of my month and apply what's left to Old Navy...then I can post an update.

Teachermom

I have 360 also and it contains mostly change too.  You can do this teachermom.  You are doing a great job so far.

$2,655.79 This is how much CC #2 balance was this time around. I'm wondering if I should add it to my list
but I now only owe $245 on it.
 

[forwardwego]

Hi chelsea727 , good to meet you. Absolutely, gather your info and share. We all have so much to gain when we break it down and get suggestions. CONGRATS on having a job you love now!!! My general suggestion (especially if you and your DH don't have kids) ... see if that job you love has any extra hours or projects. And your DH could also do that. If no extra opportunities at your primary jobs, then what could the 2 of you do as side jobs? Also, what approach/strategy have you used so far? Read Dave Ramsey Total Money Makeover, & Millionaire Next Door... I hope other WIRRS recommend some reading, now would be a good time for me to find some motivational reading too. As for the table for updates, I just use the grid available in the reply page. Hopefully another WIRR has a table to share.
You need a plan, and a desire strong enough to make you want to see it through. Your plan will need to have you and DH working together, and then fine tune it as you go. At your young age, you have time on your side to create some awesome financial security. You're in the right place, you can do it!!!


seriousthistime your idea for your race #4 is very interesting   Sorry there are some uncertainties at your workplace, but on a general level we all have uncertainties, so this approach has strong merit. I think it's appropriate especially when interest expense is minimal and since this is your 4th race. 

Rockymtnsaver thanks for telling me how to get the usernames to appear in blue...unfortunately it didn't work for me. I tried shading over the name, then click on the "@with person" icon but didn't get there somehow. Could you break it down for me more or somehow do an example? Sorry I'm not tech savvy, thanks for you help. Maybe it's the "tagging" I need a step-by-step for?

We also have CapOne 360, and it's a great place for EF's and having different accounts.

Sealy If you can zero out that $245 CC#2 in the next couple weeks, I wouldn't add it...and congrats on your update 

trojen it's amazing to be @ 250K, down from 420K!! Congrats on your first update for race #2, and good wishes as your little one arrives. 

nikiz628   Hearty congratulations on reaching your milestone of completing your reorganization! (Sounds like the envelope system works well for you.) I'd be interested to hear what they say in your exit counseling if you wouldn't mind sharing.

Hello ners! How are things in the Buckeye state? Our DS & DDIL live in the Columbus area.
Congratulations on your update. I plan to do the same with my car payment $$ when it's paid off. It's a pretty exciting thought to possibly pay for a car fully at the time of purchase. (Have you ever watched Dave Ramsey's video "drive free cars"? Though the rates of return in his example seem high, the principles and plan are interesting and motivating. You can watch it free online.) On your employer matching, is the 2% the most they will match? Or is there more free money to be had?

teachermom yea for taking the biggest bite you can out of Old Navy CC 

ETA: megaptera and Washington WIRRS  Our plans for San Juan Islands were cancelled because of weather making the ferry risky, but we did go to Coupesville & Fairhaven/Bellingham which were beautiful, and hiked to Fragrance Lake. 



 

[chelsea727]

ACCOUNT	MIN PAYMENT	STARTING BALANCE
SLUMBERLAND (0%)	$60.00	$289.07
QUICK CASH (10.1%)	$20.00	$300.24
CITI (16.99%)	$30.00	$955.23
CHASE (22.9%)	$45.00	$1,562.67
QUICK CASH (10.1%)	$72.00	$1,741.38
SLATE (0%)	$25.00	$1,743.16
DISCOVER	$50.00	$2,421.63
CAPITAL ONE (0%)	$25.00	$2,450.26
BARCLAY (24.99%)	$85.00	$2,521.49
DISCOVER (11.24%)	$80.00	$3,885.88
TOTAL:	$492.00	$17,871.01

Chelsea727: (11/30/14 $17,871.01)

[chelsea727]

<b>Forwardwego</b>:  Thanks for the encouragement! Currently, I'm a salaried employee but do have the potential for incentive based bonuses.  We have a training contract for new drivers so if they don't last for a year, they would owe money to the company so I get  10% of what is collected.  I also get $250 for any employee that goes onto medicare/supplemental insurance and off of our plan since we are self funded.  Of course, I wouldn't want to push anyone but alot of times it's a better price/coverage for the employee to switch.  My DH is a web developer on salary and he isn't paid fairly compared to others in his position.  He currently makes $30k per year and has been there a year and a half.  Since he's been there he's been doing work of senior developers and has been promised a raise but they haven't delivered.  We've heard a lot of bad things about his company and he's looking for a new job with the hopes to eventually start his own business (another motivator for getting rid of debt).  He is currently doing a web job on the side so should have some extra $$ coming in before christmas.  I'm also in the process of cleaning our house/posting items on a local garage sale site.<br>I did read the Total Money Makeover a few years ago but could definitely brush up on that  <img text="" alt=" " src="http://images.proboards.com/new/grin.png"> <br><br>I've currently been focusing on the Slumberland card even though it's at 0%.  My thought was that it's much more difficult to rack the balance up again because I'd have to buy furniture in order to do so, not gas or other expenses.  I figured it would be faster to pay it down since there is no interest and an extra $60.00/month would really be helpful. Then I was going to attack the Quick Cash of $300 since it would bring another $20/month.  When tax time comes I'll need to re-evaluate the order I pay these in.  

[forwardwego]

Attention Captains: UpDATE Forwardwego 12/1/14 $10,987 (6/19/2011 $38780 SPT64, PB154)

Hola speechchick !!! This update would have been at $11K, then I wanted to pay $1 more to be in the $10K range, then realized that $13 extra gave me 10, 9, 8, 7 and I know how you like the fun numbers   ..so this one's for you


chelsea Getting to $0 on the Slumberland makes sense because it gives you a quick "win" and $60 margin which it sounds like you need especially since the student loan minimums climbed. What is your rate on the discover card that has a balance of $2421.63?  When do the 0% rates expire on Slate and Capital One, and what is the rate after that? I hope your DH can find an employer that has a better reputation and pays for the level he is performing. Also before attempting to launch out on his own it would be good to have an employer doing things the right way...if he could find a desirable position with a more "upright" employer he may find that makes him quite happy without the pressures and risks of trying to launch his own. I'm with you on needing to re-read "The Total Money Makeover". Keep up the good work on purging and selling household stuff...less stuff & more money = win/win. How much is your emergency fund? Growing that EF is a big part of what prevents backsliding. Tax season is right around the corner so a re-evaluation at tax refund time would be very appropriate...a good time to plump up your EF, eliminate the CC's with silly high rates like Barclay and Chase, and stay ahead of any 0% that are getting ready to expire. Is your DH on board with your desire to change the financial picture?

ETA: It's interesting that even though I've never met any of you personally, I feel assaulted on your behalf when I see an interest rate over 18%. 

[seriousthistime]

I generally agree with you chelsea, and with forwardwego.  Definitely pay off Slumberland first, then the first Quick Cash.  After those two are paid off, you've freed up $80 per month.  Then I'd work on your second Quick Cash balance, which would free up another $72 per month.  Until things get easier cashflow-wise, I'd keep picking off whatever has the lowest balance with the highest monthly payment.  Compare your Chase, for example, with your second Quick Cash.  It takes only a little more to pay off the second Quick Cash, but it would free up $72, vs. $45 if you were to pay off Chase. The sooner you can get rid of those higher monthly payments, the more money you have to ease your cashflow and throw at other debt.  Once your cashflow is more comfortable, then I'd start worrying about paying off higher interest debt.

With credit cards, the minimum keeps going down as you pay them down.  With Quick Cash, are the payments fixed for the life of the loan (like a car payment) or do they go down like payments on credit cards?

[mikosmommy]

Hello there! I'm Michelle, aka Miko's Mommy. He's my cat, lol. I found this board while looking for ways to reduce and get rid of my debt so I thought I'd join! I'm going to use the Dave Ramsey method of snowballing because I think it'll work for me. I might not get to use it though until next year however.  

I do write out my debt and what the minimums are. Sometimes I am able to pay a little more than that but not often. Hoping my job will allow me to keep my full time hours after the new year. Sometimes the boss cuts them down. If he does, I'll ask for my full time hours back. Use to hate the job but after getting a new one and hating it, I went back and actually kind of enjoy it! 

I have a plan of attack. One check will be all minimums and the next, after taking out for car insurance, phone, and health insurance (YAY!), whatever is left will go to one card and when I get it knocked out, then add it's minimum to the next card in line. Then when I get paid again, the leftovers after that goes to the second card and so one. I hope that makes sense. 

I currently owe almost $12950 bucks. All in credit card debt. I've been a bad girl, lol. I am seriously hoping I can knock three cards out next year. One I hope I can knock out when I get my taxes back, but we'll see. My car taxes come due in January but I usually get Christmas cash so I hope I can take care of that with that money. I do like to shop but sometimes I find I just don't want to spend the money on the items. Once in a while sure but not often. Maybe I'm getting better! I hope so, I really want this debt gone!

Anyway, I guess I should do my initial debt so I don't bore you all! Here's hoping I've done it correctly!

MikosMommy: 11/30/2014 $12947.55 SC6

[seriousthistime]

Welcome, MikosMommy!  Your plan is the classic debt snowball. You CAN do this. We've all been where you are, just starting out.  Some of us have been here for years, and some of us have years to go. 

Have you figured out which debt to snowball first?

[mikosmommy]

Actually yes! My Reward Zone is the lowest, at $438.84, then Capital One at $536.66, then Credit One at $736.15. Those are the three I plan to have knocked out by this time next year. Then it's Amazon at $888.85, Citi at $1990.78, Walmart at $3959.30, then finally Paypal at $4396.97. I sent $150 to them but the minimum was $143. I round up when I can on what I need to pay. 

[teachermom]

Welcome to Mikosmommy and Chelsea727.....you will find great support here!! Looks like both of you will have some quick wins on your lowest balance cards and then that snowball will really start!

Still looking over things......so I haven't paid extra on my Old Navy yet...just the regular payment. I am going to get the oil changed on my car as it is time and I have cash right now. Also, thinking I probably need to put some aside for car tires, but before I do, going to take into Les Schwab and have them looked at....see what life I have left on the tires. As I mentioned before, someone hit my car on Halloween and it was in the shop for 26 days.....unfortunately, I got it back and there are some issues so it will have to go back in. Another reason I am having Les Schwab look at it is the car that hit me pushed my car into the curb hard.....want to make sure it it truly fixed.

Needless to say...think I am going to keep some cash on hand until I am sure everything is taken care of. I am still going through things and listing stuff for sale....so hoping for more money to come in this week.

Do any of you use YNAB for budgeting? I downloaded the trial.....full version is on sale currently for half price. It is interesting....trying to figure out if I like it enough and will use it. I can have it on my phone and my computer and using dropbox I can update on my phone as purchases are made.

Teachermom

[movinonup]

update - movinonup:12/01/2014 $289,746.25 (02/12/2013 $309,217.65 NE100) NY

Account	Interest Rate	Monthly Interest	02/12/2013	11/01/2014	12/01/2014	Paid Last Month	Total Paid	Percentage Paid
LOC	18.24%	$0.00	$3,500.00	$0.00	$0.00	$0.00	$3,500	100.00%
CC#1	18.99%	$0.00	$20,688.08	$8,645.16	$8,516.16	$129.00	$12,171.92	58.84%
CC#2	16.99%	$85.70	$(8.16)	$15,406.22	$15,150.99	$255.23	$(15,159.15)	(185,773.90)%
CC#3	19.99%	$0.00	$10,300.00	$2,596.34	$2,556.34	$40.00	$7,743.66	75.18%
CC#4	16.99%	$86.42	$9,135.05	$5,891.39	$5,691.53	$199.86	$3,443.52	37.70%
CC#5	10.99%	$40.73	$4,910.22	$12,348.41	$12,210.00	$138.41	$(7,299.78)	(148.67)%
CC#6	0.00%	$0.00	$1,239.00	$0.00	$0.00	$0.00	$1,239.00	100.00%
SL#1	3.50%	$56.70	$23,021.50	$19,578.74	$19,381.64	$197.10	$3,639.86	15.81%
SL#2	6.80%	$14.91	$4,748.54	$2,585.13	$2,485.29	$99.84	$2,263.25	47.66%
SL#3	6.55%	$9.62	$2,533.57	$1,730.47	$1,690.09	$40.38	$843.48	33.29%
MTG	3.875%	$718.21	$220,170.76	$222,414.37	$222,064.21	$350.16	$(1,893.45)	(0.86)%
Auto	4.24%	$0.00	$8,979.09	$0.00	$0.00	$0.00	$8,979.09	100.00%
Total		$1,012.29	$309,217.65	$291,196.23	$289,746.25	$1,449.98	$19,471.40	6.30%

EF = $1021.01

The 0% rate on part of the CC#1 balance will expire soon.  CC#3 should be paid off before the 0% rate expires.  I just got a decent offer for a balance transfer on CC#2, so that balance will probably be increasing soon.  CC#5 will probably be partially paid off with the balance transfer.  CC#4 is from the same issuer as CC#2 so I can't transfer that balance.  I will check any other balance transfer offers that I have to see if I can reduce my average interest rate.  I'm still moving in the right direction.  That is what is most important to me.

-movinonup

[nooccar]

I have been quite busy the last few months and then realized I haven't done an update for awhile. Please put me back on the list. It really helps keep me accountable! I did read everything and would comment once in awhile. I have some back reading to catch up on now. I am from WA and am on my second race (mortgage) which will take me years to complete. 

Update:
 
nooccar (2): 12/1/2014 $45,932.89 (11/4/2010 $73,475.09 WU197)

Oops, forgot to change the date when I updated the amount. It should be correct now.

[Maryland Monroe]

Update: Maryland_Monroe[2] 12/1/14 $71234.53 (1/1/14 $80451.89 NE 113)

Mortgage.........	62,101.18
Loan	8,783.35
CC	350.00
Total	71,234.53
Total Paid	9,217.36
% Paid	11.46%

[Rocky Mtn Saver]

forwardwego, when you're composing a post, click on the button above the box that has the "@" sign with the little blue person.  When you click on it, a box should appear below in which you can begin to type.  If I'm wanting to tag you, for example, I click on it and then begin typing your username.  By the time I've typed, "for", I get an auto selection of usernames that begin with those letters.  Simply click on the username you want and proboards should fill it in for you.  Does that help?