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    People doing this are also doing these things:

    Entries

    Kimaris is researching 43 things

    I want to get out of debt 1 day ago

    Want to get money to pay my debts.



    camachoborracho is excited by his new job!

    3 Months E-Fund is basically done 1 day ago

    Sweet! I’ve sold a lot of extra junk from my place, taken on extra jobs and minimized expenses big time to about $1000 a month, creating a cash flow of about $700 a month – making my 3 months emergency fund easy to complete (only $9 technically till there which I should have after I sell something tonight on craigslist).

    Anyway, now with that underway, debating between getting debt down to $10K by end of 2009, or if I should sock away some for a down payment on a house and/or investing (which will earn a great return). Thoughts on this?

    ps check out my blog re: personal finance in Hollywood
    http://copyandcredit.blogspot.com

    Student loan: $10,901.22 (-1.625%)

    Mom Loan 1:$2,000—> $1,000

    Mom Loan 2:$1,000

    Mom Loan 3:$200

    Credit Card:$735.88

    Dad Loan 1:$800

    Dad Loan 2:$550

    Dr. Bill 1:$225

    Dr. Bill 2:$70

    Dr. Bill 3:$70

    TOTAL DEBT = $10,901.22 of original $23,105.53 remaining
    TOTAL SAVED = $3,090.90 of $3,100 in E-FUND



    Stephanie swirl

    Untitled 2 days ago

    i am a lot more in debt now. stupid school.



    Vera_Icon is gettin' gazelle intense!

    Well, it was high time we did something stupid... 2 days ago

    Went into the city for a friend’s b-day last night. Met up for Indian food – yum! We brought our allotted fun $, didn’t overdo it on food or drinks, checked the bill for mistakes, etc. Then the hubby went to put my leftovers in the car before we went to play a couple games of pool. The car was gone!!!

    We had parked in kind of an iffy area but didn’t see any signs so didn’t think much of it but of course, Sat night in a big college area, the cops are on the prowl for illegal parking, I guess…and there was a sign… just not in plain view, of course.

    A trip to the ATM and $112 dollars later and we had the car back. OUCH! Needless to say we skipped the pool hall and just headed home, angry at ourselves for being so stupid.

    Stuff like this happens. We’re not perfect. It is very frustrating though. We were running late and felt bad so we were just looking for a quick, convenient spot to park. We should have been more careful. I don’t expect we’ll be letting something like this happen again anytime soon.

    A couple positive things to note:

    The less frugal versions of ourselves would have said “Screw it. Let’s just go play pool, have a couple drinks and forget about this” but we stopped and realized we needed to accept full responsibility and admit to our friends “Sorry but we can’t afford to do anything else tonight since we now have to pay $100+ for the tow.”

    Also, for the first time ever, my husband equated the cost of our mistake with his income. (i.e. ”$112? That’s almost a day’s take home pay!”) That is a really big deal. He doesn’t generally think of money in those terms.

    So, it sucks but these things happen. If your going to make a dumb mistake you can at least try to get something positive out of it, right?



    Untitled 3 days ago

    got my self in debt when i lost my job, but have been paying off debters a little for the last couple years a slow process but im working on it



    fidgiegirl is having a whole sunny wonderful Saturday morning all to herself

    $500 More Sent Off 4 days ago

    I sent $500 to my next loan. Down to $9300.

    Reminds me that I was right to be obsessive about sending in my extra payments immediately upon being paid. This time I had to split my $1000 because I paid off a balance smaller than $1000 on my other loan and then had to put the remainder to this one – but since I didn’t do it right away, I only ended up paying $800 total this time. Not the worst thing ever but I want to maintain discipline. The end is so close – March, we’re hoping.



    Vera_Icon is gettin' gazelle intense!

    The snowball's a-rollin' 5 days ago

    Paid off hubby’s car “loan” the other night. We only owed our friend $400 so instead of making this month’s $200 payment, we just gave her the final $400. It felt so great to finally cross something off our list. We are probably going to have a couple of slow months b/c we both need new tires for our cars before winter really hits. Have saved up for hubby’s (his are really bad) but not mine yet so it’s good to have something accomplished since we’ll be going into a couple months w/o as much $ as usual to throw at debt (the extra $200/mo. is going to help though!). This is the first real debt we’ve paid off together. It feels great! = D



    Not much debt but I don't want to be in debt anymore 5 days ago

    My grand total for debt (as of this moment anyways) is only about 3 G, but I have been in debt my whole life and it would be nice to be debt free for awhile.



    How Can I live On Credit Anymore 6 days ago

    I live my life on credit because I’m lacking the funds
    And I’ve been wondering where all of this money will come from.
    My bank account have been overdrafted for a while.
    I am the proud owner of a NEGATIVE balance account.
    Please pray for me.
    Its been a really tough couple of months.



    i am setting up online bill pay 6 days ago

    for best buy mastercard

    i spaced on the due date for my next payment and ended up sending it express mail overnight to get it in on time.

    also i accepted some overtime at work the next two maybe three weekends. all of that extra money will go to best buy mastercard. will have to make up that lost sleep and leisure time later.



    See all 4571 entries

    Ask for advice: Get help from people who've accomplished this goal


    Chicago
    NotCasey asks, “Which should I pay off first: my student loan of 925.00 (no interest on it for a year) or my interest free overdraft of 1600.00 - in July 2010 it will drop to 1000.00 and then the year after that, I'm not sure.”
    — 2 months ago


    9 answers

    Los Angeles
    camachoborracho asks, “I've got a 2nd job which doesn't pay much but it's something and I do whatever I can for an extra buck here and there but it seems like a lot of effort for little payoff. Is there a more efficient way like investing in real estate or stocks?”
    — 3 months ago


    16 answers

    South Africa
    Rocio617 asks, “Can you really do this? I am 23 and still need to go to graduate school and hope to buy a house one day. I can not imagine doing these things without taking on considerable debt.”
    — 15 months ago


    18 answers

    New Brunswick
    Ami in Wünderland asks, “does closing a credit card account effect your credit score? would it be better to close the account before or after i pay the debt, or should i close it at all; i've heard that having 'active' accounts is good for your credit rating.”
    — 18 months ago


    21 answers

    San Francisco
    peachesps asks, “thinking of quiting my job, what to do about my debt in between finding work?”
    — 23 months ago


    15 answers

    Kansas City
    A Well-Read Dog Head asks, “Expecting twins - better to save or pay off debt?”
    — 2 years ago


    22 answers

    New York City
    Maliceinwonderland asks, “anyone familiar with debt consolidation? any good recommendations?”
    — 2 years ago


    8 answers

    loansdebtcreditguy asks, “How does one be consistent with this?”
    — 3 years ago


    9 answers

    rogerm2 asks, “any good web sites on this that you can recommend?”
    — 3 years ago


    14 answers

    isis1lotus asks, “Getting your family on the band wagon”
    — 3 years ago


    3 answers
    See all 14 questions

     

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