Getting Out of Debt in October 2013 - Page 2 - Mothering Forums

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#31 of 50 Old 10-24-2013, 03:48 PM
 
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thaNKS i needed the talk down from this. I ran some numbers through my head while at work. 350/m is the patment and i would have to save almost 200/m for the prop tax, then the water bill figure this might cost about 600/m all together and i just couldn't afford that until i am out of BS 2. thanks again.

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#32 of 50 Old 10-25-2013, 06:55 AM
 
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Pollyanna, at least you have something tangible you are working toward - owning your own home. I know you are close to getting BS 2 done and that is so exciting. Think of how you can save once you don't have debts you have to pay each month. For me, knowing that money is ear marked for a specific purpose helps me save better (I have "sinking funds" for things like car repair, Christmas presents, etc that are expenses I know are coming, but don't happen every pay period).


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#33 of 50 Old 10-25-2013, 12:30 PM - Thread Starter
 
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Excited about this - I snowballed a debt today! It was a credit line that had already been closed so no danger that I would fall into old habits and put something else on it. This has got me jazzed to do it again and to work harder.

 

Technically I am still on pre-baby step 1, and I don't have a baby emergency fund fully loaded yet. I have mentioned this about myself before - that I really felt that doing thefirst couple of steps in the order that DR outlines is not going to work the best for me.  Not saying that what he says doesn't make sense - just saying it doesn't motivate me in the order he outlines and motivation has been an issue for me.

 

Keep up the good work ladies and welcome to the new participants!

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#34 of 50 Old 10-26-2013, 06:06 AM
 
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well my budget will be changing next month. we got a puppy. so i was thinking of puting the dog food into the food budget? or would you guys do a seperate envelope for pets?

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#35 of 50 Old 10-27-2013, 03:45 PM
 
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I would make a pet budget - food, vet bills, flea collars, etc.


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#36 of 50 Old 10-28-2013, 12:25 PM
 
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my DH got a $417 speeding ticket. Ouch!!!


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#37 of 50 Old 10-28-2013, 12:52 PM
 
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Ah! So sorry! That's a lot. Wonder if the cop was having a bad day?
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#38 of 50 Old 10-28-2013, 01:48 PM
 
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UGH Trekkingirl, I got one several months ago.  I am fighting the ticket and my court date is in December but here we have to pay a fee to contest it with the magistrate.  Still worth fighting it though because they often cut the amount owed down.  My biggest concern is that my insurance will go up.  Sorry to hear. Very frustrating.

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#39 of 50 Old 10-29-2013, 03:33 PM
 
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Here you can pay the ticket up front and have a trial in writing instead of in person. If the cop doesn't do his homework than you automatically win and they refund your money. I'm going to help DH try to do that because there is no way we can afford that much money.


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#40 of 50 Old 11-02-2013, 10:17 AM
 
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Yay, we tithed the very first thing this check! Super baby step, but it feels good. But unfortunately, we'll be short on our bills and will have to let some lapse. :-/
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#41 of 50 Old 11-02-2013, 10:30 AM
 
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I forgot to mention that I had great success making a meal plan and then grocery shopping according to the plan. We saved $60 and a lot of wandering through the store wondering what to buy!
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#42 of 50 Old 11-02-2013, 07:12 PM
 
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SkinnyloveBC, congrats on tithing this pay check. I hope you will be aBle to Find ways to make your funds stretch.

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#43 of 50 Old 11-03-2013, 02:05 PM
 
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Thank you, lilac! We're sure trying!

On another positive note, DH is expecting a raise in January so that will help us be able to start our emergency fund and get our snowball going. Looking forward to making it to January!

Pollyanna, what kind of puppy did you get? How are things going with the new member of the family? :-)
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#44 of 50 Old 11-03-2013, 02:11 PM
 
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Joining! We are on Baby Step 2. We have paid off all CC & Unsecured in the last few months. Our main 'sacrifice' is that we live in a very small & ghastly carpeted 2 bedroom apt.

Our remaining debts are a Car (one car family) & a house in our former location. In November we are saving for a HVAC for that house to help with a sale (that we are praying for!), then we will go 'gazelle intense' on the car.

The house is the biggest issue we face. There is a small chance we will move back to it, we are sort of in a holding pattern with my DH's work (they are waiting on a large funding source). I still LOVE but the idea of being totally debt free is alluring!

We will also face bills from my upcoming birth. However between our HSA & taxes, we should be able to handle that!

Closing my last remaining CC today! Dang Old Navy! DH & I are also taking a DR class for the second time, class 5 is tonight!
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#45 of 50 Old 11-03-2013, 02:13 PM
 
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Orangemama, congratulations!! Bask in your success and use it to help drive you toward your next accomplishment!

StillMe? ILoveMyBabyBird? How are things with you guys?
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#46 of 50 Old 11-03-2013, 02:21 PM
 
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Welcome, dinahx! Congratulations on paying off your last credit card. I hope that the house updates will result in a sale! I'm sorry you're in limbo with your DH's job. I've experienced similar frustrations with my job and it's a difficult place to be. And we're also a one car family!
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#47 of 50 Old 11-03-2013, 06:04 PM
 
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the puppy is part lab, shar pei and spitz she is a handful. thanks for asking skinny

congrats on the plan for your shopping trip it feels good knowing what you need when you go in the store.

Welcome, dinahx! Congratulations on paying off your last credit card also.

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#48 of 50 Old 11-05-2013, 04:12 AM
 
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ok well i just changed my game plan for the month. i have been saving for a laptop to replace the one that got stolen. i had it on layaway but 6days after getting it off layaway the screen went. So what i decided is that money plus what i deposit from my check this week will be enough to pay off the rest of my SL debt. 647 dollars. I think i will be doing a debt free scream here in a week :)

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#49 of 50 Old 11-05-2013, 05:39 AM
 
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Awesome pollyanna!

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#50 of 50 Old 11-06-2013, 03:20 AM - Thread Starter
 
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Woke up this morning and realized it's the 6th of a new month - where does the time go? Posted a November thread - come on over!



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