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Dumping Debt and Building Wealth with Dave Ramsey~ April - Page 6

post #101 of 274
I think you can call and ask for a payoff balance, assuming the check arrives on such and such a date, or today if you are paying over the computer

CONGRATS
post #102 of 274
Okay, it's the first day of week 2 - a whole week of April is gone, how are we doing ladies?!

End of the first "week"!


BS1 700/1000 (replenished on 04/11/08)


BS2:
April 1st debt numbers:
Mastercard 1 $1699.36
Mastercard 2...4999.99 ***
Student Ln 1...3219.49
Student Ln 2...6919.87
Auto Loan.....11495.29
----------------------
Balance.......$28334.00


Written Budget:
Rent........$1025.00
Electric.........24.68
Natural Gas.....0.00
Cell Phone.....75.74*
Internet........45.22
Cable............41.32* (last month of cable! We canceled this 04/01! )
Auto Ins.......142.82
Charitable.....170.00* / $110 spent
Weight Watch..80.00
Car Payment..385.00
Mastercard 1...40.00
Mastercard 2...80.00
Student Ln 1...50.00
Student Ln 2...50.00
Groceries......120.00 / $98.37 spent
Dining/Ent......75.00 / $26.95 spent
Gasoline.........40.00
Savings........200.00
Snowball.....1000.00*
================
Total.........$2644.78*

Income: $2800-ish + $1326.91!!!

BS2:
April 1st debt numbers:
Mastercard 1 $699.36 :
Mastercard 2...4999.99 ***
Student Ln 1...3219.49
Student Ln 2...6919.87
Auto Loan.....11495.29
----------------------
Balance.......$27334.00*




*Edited since March 31st.


***This is the card that I ran up mostly at Starbucks when I was single, lonely, and STUPID. Only 1265 grande lattes to pay off.
post #103 of 274
I second the calling for a payoff balance. But I also wanted to say

CONGRATS!!!!!
post #104 of 274
Thread Starter 
*ahem*

OUR FIRST SNOWBALLED CREDIT CARD IS OFFICIALLY PAID OFF!!!!!!

Sorry

I can not thank you all enough. If it was not for this thread, I never would have stuck to this plan. We have given up many things to get here, our cell phones, eating out, fun purchases, etc.. but it has all been so worth it!!

This card started off at $1500.. in two months time, thanks to my tax refund and snowballing my paycheck, I was able to get it paid off.

Only two more credit cards left!

I still have money left from the tax refund that I am going to apply to our next lowest balanced card. It feels so good. Just so freaking good!!
post #105 of 274
Thread Starter 
Quote:
Originally Posted by marcimoose View Post
marcimoose

0: get current on bills: working on it.
I have you added to our list

Quote:
Originally Posted by TattooedMama View Post
Woohoo!!! Today we paid off the 2006 taxes $515.
We also paid off Loan#1, $415. I guess that means we get to keep the baby. he's 15 months old. (It paid for his homebirth.) Here's to paying off more debt.
It's the cheapest organic champagne I could find.
Glad you get to keep the baby

Quote:
Originally Posted by Nitenites View Post
Had to take money out of the BEF for emergency expenses. We're back to step 1.

Bleh!
Sorry to hear that, but at least you had the money and did not have to use credit

I updated everyone, and I updated myself too
post #106 of 274
Way to go Jaime!!

That is awesome! :
post #107 of 274
Super, Jaime! Woo Hoo! And it's great to be able to celebrate that success with you (virtually).
post #108 of 274
Congrats Jaime!

I received a check in the mail today from the state I used to live in. A couple of months ago I sent in paperwork for unclaimed money and all I knew was there were 2 claims for over $50 each. The check was for over $1000! That money is going to my lowest balance student loan.
post #109 of 274
Quote:
Originally Posted by ~*Jaime View Post
*ahem*

OUR FIRST SNOWBALLED CREDIT CARD IS OFFICIALLY PAID OFF!!!!!!
What was that? I couldn't hear you!

Just kidding!

CONGRATS!!!!!!! :
post #110 of 274
Quote:
Originally Posted by TattooedMama View Post
We also paid off Loan#1, $415. I guess that means we get to keep the baby. he's 15 months old. (It paid for his homebirth.)
Did you name your baby Repo, just in case?
post #111 of 274
Great job Jaime!!!

We are having kind of a hard time with bills this month because dh's business slowed a little for 2 weeks but has picked back up at least....I am working on opening my in-home preschool/daycare right now and I think I can get it open within 2 months. I put up signs in my town for babysitting for now and praying that people will call!!!

Someting good is that we have dramatically cut our food bill in the past 2 weeks by me driving about 45 minutes (I am in a rural area) to a discount, self-bag, giant store. It has totally been worth the drive and shopping time it takes (it takes me at least an hour to shop because the store is giagantic and I have little ones with me) I think I can get it really low even with my multiple food allergies!! (gluten, milk, eggs....I eat mostly produce and meat) Potatoes are our new best friend over here

I am trying to focus on the postive and take things one day at a time...I need to post Matthew 6:34 on my fridge.


Jen
post #112 of 274
Quote:
Originally Posted by ~*Jaime View Post
*ahem*

OUR FIRST SNOWBALLED CREDIT CARD IS OFFICIALLY PAID OFF!!!!!!
Way to go Jaime!!!
post #113 of 274
Bad news for us...Gotta hit the EF. But not for much, and not for long. Due to DH's sudden job out of state, we had some unexpected expenses but also a lot of unexpected icnome. In the long run it will balance out and allow us to put a LOT in savings, but for now, we have to take probably 200$ out of EF until we get his check at the end of next week. But then we'll be set so, I guess it works out. Just don't like going backwards even if only for a couple days!
post #114 of 274
Thread Starter 
Quote:
Originally Posted by lalaland42 View Post
Congrats Jaime!

I received a check in the mail today from the state I used to live in. A couple of months ago I sent in paperwork for unclaimed money and all I knew was there were 2 claims for over $50 each. The check was for over $1000! That money is going to my lowest balance student loan.
Found money is the best

Quote:
Originally Posted by llamalluv View Post
What was that? I couldn't hear you!

Just kidding!

CONGRATS!!!!!!! :
Sorry, got a little excited and used the biggest font size I could find

Quote:
Originally Posted by newcastlemama View Post
Great job Jaime!!!

We are having kind of a hard time with bills this month because dh's business slowed a little for 2 weeks but has picked back up at least....I am working on opening my in-home preschool/daycare right now and I think I can get it open within 2 months. I put up signs in my town for babysitting for now and praying that people will call!!!

Someting good is that we have dramatically cut our food bill in the past 2 weeks by me driving about 45 minutes (I am in a rural area) to a discount, self-bag, giant store. It has totally been worth the drive and shopping time it takes (it takes me at least an hour to shop because the store is giagantic and I have little ones with me) I think I can get it really low even with my multiple food allergies!! (gluten, milk, eggs....I eat mostly produce and meat) Potatoes are our new best friend over here

I am trying to focus on the postive and take things one day at a time...I need to post Matthew 6:34 on my fridge.


Jen
Good luck with your day care. Sounds like you have a great plan by shopping at the new store

Quote:
Originally Posted by Kierdan'sMom View Post
Bad news for us...Gotta hit the EF. But not for much, and not for long. Due to DH's sudden job out of state, we had some unexpected expenses but also a lot of unexpected icnome. In the long run it will balance out and allow us to put a LOT in savings, but for now, we have to take probably 200$ out of EF until we get his check at the end of next week. But then we'll be set so, I guess it works out. Just don't like going backwards even if only for a couple days!

Thank goodness for the EFs!

Well my doctor wants me to start physical therapy next week for my knee. I hope my insurance covers it! But maybe I can get the problem fixed so that I am not limping every time it rains
post #115 of 274
Thread Starter 
Oh, yeah, and my doctor told me that I need to lose weight so that my blood pressure goes down and so my knee doesn't hurt and so my heel spur will heal, etc, etc, etc. So if you all could find the time to harass me about it once in a while, I would appreciate it. Keep me on track I am going to avoid a lot of potentially expensive medical problems down the road if I get my butt in gear and shed some pounds.
post #116 of 274
Quote:
Originally Posted by ~*Jaime View Post
I am going to avoid a lot of potentially expensive medical problems down the road if I get my butt in gear and shed some pounds.
(and since you asked us to keep you on track)....you'll feel better overall not carrying around a ton of extra weight.


WTG on cc payoff.

Who can find me $1000 bucks some state I used to live in owes me? I'd take it in a heartbeat!

We are in a really stagnant phase right now -- not really making huge strides towards the snowball, but not backsliding either. Good news is my job is pretty solid for summer. Other good news is that I should receive a little union backpay (we have a new contract, retroactive to Aug 07) and I'm looking forward to my stimulus check to give us a nice boost to the snowball.
post #117 of 274
Quote:
Originally Posted by ~*Jaime View Post
Oh, yeah, and my doctor told me that I need to lose weight so that my blood pressure goes down and so my knee doesn't hurt and so my heel spur will heal, etc, etc, etc. So if you all could find the time to harass me about it once in a while, I would appreciate it. Keep me on track I am going to avoid a lot of potentially expensive medical problems down the road if I get my butt in gear and shed some pounds.
And did you look at him and say, "Well, duh. Got a skinny shot you can give me?" I mean, I'm glad he addressed it with you; some docs just avoid the topic, but talk about stating the obvious.
I need harassment too. I'm stressed [DS's birthday party this weekend, big yard sale and family visiting next weekend], so I keep hitting the cadbury mini-egg stash. I'm off to do some yoga though, so that will be a small help.
post #118 of 274
I can eat a big bag of cadbury mini eggs in one day flat. The never last long around here. I am impressed you still have some left!
post #119 of 274
I Cadbury mini eggs. They are one of my all time favorite candies.
But I have never met a candy I didn't like. :
post #120 of 274
Quote:
Originally Posted by bc1995 View Post
I can eat a big bag of cadbury mini eggs in one day flat. The never last long around here. I am impressed you still have some left!
:

What is this "leftover candy" of which you speak?
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