Get out of Debt in JUNE - Page 2 - Mothering Forums

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#31 of 38 Old 06-20-2012, 11:24 PM
 
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Made some phone calls today:  

Got 1 loan down from 13% APR to 4.25% 

Got 1 cc down from 27% APR to 6%

Got another cc down from 20% APR to 8.75%

Got another cc down from 14% APR to 0%

And negotiated all of these with set low monthly payments!

 

I know we can do it.  No more messing around.

 

Those are HUGE strides forward! 27% down to 6% interest, just for making a phone call?! Awesome! That will make a big difference, and you won't feel so much like a hamster running on its wheel. And once you start seeing more of your money going toward the principal of your debts--and as a result you start seeing real progress being made--that will create more motivation for you to find whatever extra money you have to throw it at the debts. Great start!


Mama to Conejita 2/2/10 and Little Stinker 6/28/13. Expecting a surprise in late March!
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#32 of 38 Old 06-22-2012, 10:59 PM
 
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I have really been focusing on saving for a house. Haven't put any extra money towards debts for a while now. My kids have really been missing a house. I've gotta get them out of this RV. Seems as though I'm the only one that enjoys it these days. I got another second job. Hopefully this one will actually pay money. Won't see any more income for a month though.


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#33 of 38 Old 06-24-2012, 04:55 PM
 
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trekkin, I hope your new job will pay you soon.

 

Working on getting our funds in place to attempt an IVF cycle.  Glad that insurance will cover 80% but still need to pay the 20% upfront before starting the cycle.


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#34 of 38 Old 06-25-2012, 11:03 AM
 
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Originally Posted by kitteh View Post

 

Those are HUGE strides forward! 27% down to 6% interest, just for making a phone call?! Awesome! That will make a big difference, and you won't feel so much like a hamster running on its wheel. And once you start seeing more of your money going toward the principal of your debts--and as a result you start seeing real progress being made--that will create more motivation for you to find whatever extra money you have to throw it at the debts. Great start!

 

A hamster on a wheel is exactly what I feel like.  Hopefully now things will be way more manageable and I can finally see a light at the end of my long tunnel.  


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#35 of 38 Old 06-26-2012, 01:41 PM
 
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It's crazy the messes we get ourselves in! 


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#36 of 38 Old 06-29-2012, 01:50 PM
 
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I have been talking with my insurance company and figuring out what is covered by insurance and what isn't.  It looks like will need $2250 to start a cycle almost half of which is a ART case management fee that isn't covered by insurance but is required just to make an appointment for scheduling our month for the IVF cycle.

 

DH submitted a sperm sample to be frozen today - there were 5 moving sperm in his sample today, up from 1 moving sperm in the last SA.  Dr. wants him to submit another sample for freezing (and each freezing procedure costs $206 but we will do what is necessary have a baby.

 

Still working off our debt snowball and the extra money I am making this summer is going directly to our IVF fund.


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#37 of 38 Old 07-05-2012, 03:26 PM
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Is there a July thread? I don't want to miss it if there is one.

I've been keeping up in June just not posting.


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#38 of 38 Old 07-05-2012, 11:07 PM
 
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Yeah, we need a July thread! I've got a lot going on, and a lot to post, but I've been waiting for the July thread.


Mama to Conejita 2/2/10 and Little Stinker 6/28/13. Expecting a surprise in late March!
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