or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Dumping Debt with Dave Ramsey/DECEMBER
New Posts  All Forums:Forum Nav:

Dumping Debt with Dave Ramsey/DECEMBER - Page 4

post #61 of 369
Quote:
Originally Posted by Mrs. Jesus View Post
ALRIGHT! I'm in! It's going to be very slow going for us. We are currently trying to save up to move into an apartment (we're with family right now). And having a lot of trouble, for some reason sticking with it. BUT I'm totally focused now by Dave! So my plan right now is start my $1000 by selling, selling, selling! I dunno if I can get $100 just selling stuff, but I can get off to a good start.
We started our EF with eBay selling and it happened a lot faster than I ever thought it could. Now if we make any extra money on eBay or doing surveys or clipping coupons it gets put on the current debt we're attacking. The pennies add up, they really do!
post #62 of 369
Thread Starter 
I agree about the pennies adding up. I started with selling too. Books, outgrown kids clothes, my clothes that I hardly wore, shoes I never wore, baby stuff I didnt use anymore, fabric, etc...

I go through my house on "what can I sell" missions! LOL My house is being decluttered in the process!
post #63 of 369
Quote:
Originally Posted by DesireeH View Post
I agree about the pennies adding up. I started with selling too. Books, outgrown kids clothes, my clothes that I hardly wore, shoes I never wore, baby stuff I didnt use anymore, fabric, etc...

I go through my house on "what can I sell" missions! LOL My house is being decluttered in the process!
I've been doing that too - to the tune of over $1000 this month in december alone!

It's fun to see what sells!
post #64 of 369
What if the person never sold on e-bay , what pointers would you give them ? we do the surveys and we tried selling on criags list but nothing is selling around here .

Thanks for any help .
post #65 of 369
Thread Starter 
There is the Trading Post here too. If you do a yahoo groups search and look for local selling groups they might have that too. I found one here called "my city" for sale.

Ebay is easier than it looks too, maybe you can sign up? On craigslist, I think people want big deals. I usually put stuff for super cheap if I havent been using it anyways. I figure some money for something I dont use is better than no money for something that just sits there, ykwim?

Maybe a side job too? My dh took a side job this month building some cabinets. I do photography. Before that I used to sew. I've done babysitting (not my fav thing to do but if I HAD to I would again.)
post #66 of 369
Still $5/1000

I have a metric ton of stuff to sell, but getting photos of stuff and listing it is pretty much impossible with a 20 month old and a 2 month old! I've spent all morning just trying to find somewhere to put the ever-growing pile that DS couldn't get to. *sigh*

I have a ton of NB diapers, four cell phones, my maternity clothing from THREE pregnancies, a fabric stash to declutter... uh, and lots more, I'm sure. Fingers crossed that once I get it up it sells fast!
post #67 of 369
Old cell phones sell???
post #68 of 369
Well, two of them are pay as you go phones, and two are metro pcs which all are in high demand around here. Contract phones, OTOH don't sell worth a darn.
post #69 of 369
$25/$1000 here I go...
post #70 of 369
EF is at $25.05/$1000

Because I had to transfer $14.95 to my auto loan.
Yesterday, I received a notice saying my 11/25 payment was delinquent by $14.95.
I transferred the money over the phone last night.
Today, I called the credit dept and they said the letter was a mistake.
The computer accidentally sent out a letter to me directly following the monthly fee for the disability insurance that I have on my auto loan.
He said no one else received a letter.
He credited back the $4.33 fee my loan account was charged.
He said I was right that my next payment wasn't due until 12/25/07, and I had been a month ahead in my payments as I had thought I was.
Oh well, at least it's fixed and my credit won't be affected.

We still have only .85 cents in the checking account.

Only 4 days until my husband's first paycheck!
Once Monday comes, I'll be able to pay the rest of December's bills (the earliest is due on the 15th, the latest is due on the 25th - that would be my car loan).
He worked 85 hours his first two weeks, much fewer hours than he ever worked at his last job.
He called payroll department and was told his take home pay (minus taxes, and 3% 401k) will be $740!
Yay!
We only need ~$500 to pay the rest of December bills, so that means we will have around $250 for the next two weeks.
$140 will go toward gas, which will leave $110 for two weeks, so $55 a week.
We should be able to buy some food with that.
post #71 of 369
You ladies are my inspiration!

Thanks so much. I came here a few days ago, feeling desperate. I read Dave last year, made an attempt, but got siderailed by dd's wedding.

When I came in the other day, I had $22 in one dollar bills. I now have $63!!!

I went through all my pockets, stole $30 from the budget, which will make the week tough. And I really cheated on the groceries, spending only $48! We're 'cleaning out the freezer', which I deemed necessary to make room for our pork. (we raise a few pigs every year.) The holidays will be tight. NOt impossible.

Selling on Ebay never works for me, but I'm willing to try again. DH would never miss some stuff, and there have to be things here someone would want. Right?

Oh, and dh's vacation account through work will have about $600 in it this year. If I can avoid spending it when it comes, on bills of course, I'll put it towards our savings and we'll be almost there!

Best of luck to everyone of you! Let's inspire each other!

$63/$1000
post #72 of 369
Thread Starter 
Yay Red, that is awesome. You almost tripled your fund!

I just sold a double stroller on Craigslist about 5 mins ago. LOL Another $20! WOOT!

I've found that with ebay, you almost have to have a low starting bid, or else people wont even click, ykwim? I try to keep the shipping as accurate as possible (weigh it first) cause I swear that makes a difference too if the people feel they are "getting their money's worth." With clothes and stuff, I think "lots" sell better too.
post #73 of 369
EF is $15.87!

DH got paid yesterday, $10.87 over his regular wages so since it's not in the budget, into the EF it goes!
post #74 of 369
Quote:
Originally Posted by Daisie125 View Post
EF is $15.87!

DH got paid yesterday, $10.87 over his regular wages so since it's not in the budget, into the EF it goes!
Just think: in the past, that money would probably just have vanished into the depths, and been gone. Now its saved and waiting for you when you need it.
post #75 of 369
I have some good news and I really just want to scream it so here I go . WE GOT AN OFFER ON OUR DVC TIME SHARE !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This means that we will have 200 more money monthly . We will only make about 900.00 on it but none the less its GONE GONE GONE . I am so darn excited . We will still have 2 more payments to make and then we will be done . YEAH YEAH YEAH .

OK I am done
post #76 of 369
Thread Starter 
That's great news, Sarah!!!

I'm in LIMBO. HAHA The bank is holding DH's side check until the 10th....after that I can pay a few things off. LOL I'm so eager to pay it off, it's bugging me. HAHAHAHAHA

In the meantime he got his regular paycheck so I'm doing what I normally would do (bills and groceries.)
post #77 of 369
I hate that , when you know you hvae money but yet can't do anything cause its not avaliable to you yet . We have a school check coming sometime in Dec and we have to buy DH school books with it and then we are hopping to pay off a credit card with the other part of it but agian we have no clue at all when we will get it . So we are pretty much in Limbo till atleast the 19th of dec .
post #78 of 369
With the exception of two $10 items, we are 100% done Christmas shopping. All cash, all hand made by me or WAHM made (or at least sold by a WAHM)

We cut WAYYYYY down for Christmas this year (more by necessity than choice, though) . I'm so glad too.
post #79 of 369
I got $5 today for doing a survey and $20 for some last minute babysitting. That'll get added in with my Capital One payment next month.
post #80 of 369
Quote:
Originally Posted by mom2dea View Post
What if the person never sold on e-bay , what pointers would you give them ?

Thanks for any help .
I've sold on eBay for over ten years and my ex told me there was no way I could do it, it was too complicated, we didn't have a camera, I didn't know anything about computers, etc, etc, etc. Well, the best way to make sure I succeed at something is to tell me I can't do it!!!!

Here are some suggestions:
  1. Before you attempt to sell something, check the auctions for a week or so to see if someone is selling something similar. It will give you a great idea of what sells and what doesn't, how to take your picture, how to write your description, how much to charge for shipping etc etc etc. This is probably my number 1 tip - saves me from listing things that make no money.
  2. You really do need pictures except for perhaps books. Books are listed by ISBN and if they are stock books in eBay's system there will be a stock photo; however, you must detail the description of your book very carefully to let the buyer know condition. Otherwise, you really need a photo or two. One photo is enough for most things, but if there is damage you should show it in a picture or at least offer to. Make sure the photos are as clear and close as you can get them.
  3. Ship internationally. This is a bit more complicated, but I find that Australia and the UK are huge buyers of all kinds of things... Canada too. This may require a trip to your PO to figure out exact shipping, but it is worth it. These folks seem to like to pay more than US buyers.
  4. Do not make up for a low starting bid by upping your shipping. Charge a fair shipping price and include it if at all possible in your listing or use eBay's calculator. If you don't know how much it will cost to ship, pack it up and take it to the post office for an accurate weight. Use the postage calculator at www.usps.com to get shipping charges. I always list charges to US, Canada, UK and Australia in my listings. I usually ship Priority mail because the boxes and tape are free from the post office and they arrive more quickly than parcel post.
  5. Wrap and ship very carefully or you risk negative feedback. Wrap in plastic to prevent dampness (grocery bags work great) before putting in the box. Pad with newspapers or old office papers or whatever.
  6. Open a PayPal account for handling payments and do not take checks or MOs. PayPal makes international currency easy plus you get your money right away. I am not afraid of bad checks or MOs, they just take too long - usually 2 weeks to complete an auction when it closes and that is time the money is out of your pocket.

Oh and one final thing, be prompt with feedback. Leave it as soon as a buyer pays you. That is only fair. The nicer you are to your customers, the higher your feedback rating will be.

Have fun making some money!!!
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Dumping Debt with Dave Ramsey/DECEMBER