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Risto




I'm doing 13 things
  
Recent entries
Pay off all my debt (read all 4 entries…)
Discipline 12 months ago

After much discipline, I achieved this goal. Commitment and diligence and some frugality all contributed to me becoming debt free. Although this did take some time to complete, as I watched my debt get lower it did become easier, knowing that this goal is achievable.

Jun 17, 2008, 08:50PM PDT | 0 comments


Pay off all my debt (read all 4 entries…)
very close to reaching this goal... 13 months ago

9 months ago I took out a personal loan for 7G’s to pay off my credit card bill. The loan has a much lower APR in comparison to the credit card, so more of my payments go towards the actual balance, not the interest.

Not only have I made each payment on time, I’ve paid double the amount due each month, thanks to my getting a promotion/raise @ my job.

In 1 or 2 months the loan will be paid, I’ll be debt free and my credit score will go up even more.

I still use the credit card, because I earn frequent flyer miles, but I pay off that balance monthly.

Whenever I can, I do use my debit card, but I still like the additional insurance that my credit card provides me with on my product purchases.

So soon I’ll be marking this one as “I’ve done this”.

May 21, 2008, 06:33AM PDT | 1 cheer | 0 comments


Pay off all my debt (read all 4 entries…)
lower APR on a loan 22 months ago

I took out a personal loan with a considerably lower APR compared to the credit card balance that the APR was accruing on. The money from the loan went directly to pay off the balance on my cc (YAY!!!).

Now my credit card sits at home, and my purchases are either with cash or my atm/debit card. So if I don’t have the money, I probably won’t be getting it.

The loan is for 24 months, and I’ve always paid over the minimum balance due on my cc, and I’ll do the same with this loan, so it’ll be paid off before the 24 months. Also, there is no penalty for early payment (including when the entire balance is zero).

I am keeping my online purchases to a minimum (none over the past several months), and that will significantly help keep my cc with no (or a very low) balance.

Sep 06, 2007, 05:05PM PDT | 1 cheer | 0 comments


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I want to:

The world wants to...

write better Go skydiving Become a Famous singer stay friends with my best friends forever be closer to my family Learn to pick locks get in shape fix my bike morethannow wants to find at least one thing each day that makes me happy and record it everyday for a year be a great wife Compose a list of 50 things about me Read the book "Dan Brown - The Da Vinci Code" set up my own animal rescue shelter Make people laugh. learn foreign language fix my relationship be in a wedding gain muscle Divide by zero bebe0315 wants to get my cosmetology license run with the bulls Meet McFLY Again. destroy perfection start dancing again backpack across europe go on tour get married
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