Dumping Debt and Building Wealth with Dave Ramsey~ April - Page 3 - Mothering Forums

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#61 of 274 Old 04-04-2008, 05:17 PM
 
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hi!! thx for the welcome!

here's my progress..i just started last night, so it's not very far!

BS1: done
BS2: 20/1000

we have $15000 in cc debt to pay off, $5000 on car and $18000 on student loans. right now i'm going to focus on the cc's and the car though as my student loan payments are not bad right now and it's in good standing with a very low interest rate.

Cat - Mother to Jonathon (1-24-1987) ; Lola (3-24-2003) ; Xiola (9-27-2005) : 8 wks (4-2008) ; 11 1/2 weeks (9-2008); and 7.5 weeks (5-2010) Nana to William (3-27-2009) Blog: AmLo Farms
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#62 of 274 Old 04-04-2008, 06:07 PM
 
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Welcome Cat!

I sent off a payment of $220 to our current snowball today... Our goal is to pay $1000 towards it this month.
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#63 of 274 Old 04-04-2008, 08:02 PM
 
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Just a little announcement


We're fully funded and Debt free!

BS1: 2700/1000
BS2: DOne!!!
BS3: 2700/10000 - BUt know that a storm cloud vehicle replacement may be in the future
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#64 of 274 Old 04-04-2008, 08:08 PM
 
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Quote:
Originally Posted by Kierdan'sMom View Post
Just a little announcement


We're fully funded and Debt free!

BS1: 2700/1000
BS2: DOne!!!
BS3: 2700/10000 - BUt know that a storm cloud vehicle replacement may be in the future
Yay!!!

So you decided to fund the EF, and hope the truck lasts long enough to save up for the bike? I think that's a good choice. You always have the EF if you need it.


------------------------------
In my own news, DH got a bonus, so I was able to put another $1500 towards our EF. We're now at 12,000/15000. He also got a small raise, so that should help ease the budget a bit. Now if we could just get the w2 filed so we aren't paying so much in taxes upfront, we'd be all set!
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#65 of 274 Old 04-04-2008, 08:32 PM
 
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Guin

Welcome, Cat!

Lots of good news around here today!! Congrats on the progress everyone.

Carrie, mom to Johnathan (7-02), Brodie (2-04), Kate (12-06), Jordan (9-08), (4-09) & Maggie (3-10)
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#66 of 274 Old 04-04-2008, 08:39 PM - Thread Starter
 
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I am having an anxiety attack about our debt. I just feel like I will never get it paid off sometimes. I snowballed $660 to one card today, but that still did not make me feel any better about it

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#67 of 274 Old 04-04-2008, 10:03 PM
 
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Originally Posted by Kierdan'sMom View Post

We're fully funded and Debt free!


Mark your calendars!


Eco stimulus payment schedule

Jaime
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#68 of 274 Old 04-04-2008, 10:07 PM
 
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Jamie. I think you are doing awesome!! I would LOVE to have $600+ to snowball at a debt.

We are on the first direct deposit for the stimulus schedule. I can't wait to throw it all at a cc bill.

Carrie, mom to Johnathan (7-02), Brodie (2-04), Kate (12-06), Jordan (9-08), (4-09) & Maggie (3-10)
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#69 of 274 Old 04-04-2008, 10:54 PM
 
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Originally Posted by ~*Jaime View Post
I am having an anxiety attack about our debt. I just feel like I will never get it paid off sometimes. I snowballed $660 to one card today, but that still did not make me feel any better about it
Babysteps, sweetie. You'll get there. Just keeping working the plan, and let the plan work for you. :
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#70 of 274 Old 04-04-2008, 11:00 PM - Thread Starter
 
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I know, I am sorry you guys. I should not be complaining. I mean, $660 was like, an entire paycheck that I put towards the snowball, so I have no right to complain.

If we buckle down, we can be out of credit card debt in 10 months. I am praying that can happen. By then the car will also be almost paid off too.

It looks like DH and I are in the first set of economic stimulus cheks too. I guess if we had our other refund direct deposited they will DD this too? Also, is it still supposed to be $1200 total for married couples who both work, with no kids?

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#71 of 274 Old 04-05-2008, 12:03 AM
 
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Originally Posted by ~*Jaime View Post
I am having an anxiety attack about our debt. I just feel like I will never get it paid off sometimes. I snowballed $660 to one card today, but that still did not make me feel any better about it
I tried to reply to you earlier this evening but I couldn't get it to go... ACK! I just wanted to say that you are doing great and 660 is an incrediable snowball and WILL make a difference! The day will come when you can SCREAM "WE'RE DEBT FREE!!!!" on a Friday radio show and all your MDC mamas that have been cheering you on will cheer right along with you.

Re your tax questions- have you used the IRS calculator and put in your 07 tax info? I was curious also about the sahm mom 600/1200 thing. When I put in our info it counted me as a person and says that we will get the 1200 for both of us. From what I read, yes if your 07 return was deposited- the stimulus one will be also..

Thanks for all the work you do on this thread. It really has me inspired again. I go through spurts- sometimes I am really on board and other times I lose the gazellness... I like being able to log on here and feel encouraged. Hang in there, you will get it paid off!!!!
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#72 of 274 Old 04-05-2008, 12:51 AM
 
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I haven't had a chance to sub yet so I'm all behind on our thread here! I'll send my update this weekend.

Jackie
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#73 of 274 Old 04-05-2008, 10:00 AM
 
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Hello -

I was on the thread back last year, towards the end of the year and then got busy and couldn't keep up.

We are on BS #2. We have fully funded baby emergency fund, actually just a tad bit more than the recommended 1K since I feel safer that way. It is 1500.

BS#2 - We started this last Nov. and had $85 K, including cars. We are now down to $66K. We send in about $500 a month to CC and should have only one left by the end of the year. We have paid off so much in CC, and closed all of them as we did it. We had a total of 11 CC and now are down to just 3, 2 of them carry a balance, and are part of the debt snowball and 1 we use to pay daycare until I get reimbursed at the end of the month, cause we don't have the cash at the beginning. But it has to be paid at the end of the month, so until we can afford to float that much cash month to month, I have to do it this way.

I have to admit, having done all of this, and having figured out what our primary problem was in getting finances under control, I don't feel nearly as sqeamish about the current economy as I might have.

Speaking of working to get out of debt, I better go get ready for work. We both took on second jobs so that we could get out of debt faster. I work in the cash office on Sat. and Sun morning at Target.

Looking forward to living like no one else with you!

Nicole
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#74 of 274 Old 04-05-2008, 12:20 PM
 
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Jaime - You'd get 300$ each guaranteed if you made over 3k, or filed married jointly with over 3k. To get the 600$ each, you have to have paid at least 600$ in taxes between the 2 of you. So if you were liable for 602$ of tax, you'd get the full 1220, but if you were liable for say, 346$ in tax, you would only get 946$ total, as you are getting back any tax you paid in up to the additional 300$. So for us, we had no tax liability therefore we only get 300$ a piece plus 300$ for each kid
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#75 of 274 Old 04-05-2008, 03:29 PM
 
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Jaime, an entire paycheck is huge, to imagine that your spending and lifestyle is allowing you to send off your whole paycheck, congratulations

I have you mamas to thank for me catching up immediately with a banking glitch, I was able to get to the bank the day of and have all fees reversed
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#76 of 274 Old 04-05-2008, 04:42 PM
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Jaime - Putting $660 toward a credit card makes a huge difference. If you look at an online calculator, check out how much off a difference a one time payment of $660 would be if you only paid the minimum for the duration.

pranamama - good news about the fees!
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#77 of 274 Old 04-05-2008, 05:50 PM
 
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Quote:
Originally Posted by Kierdan'sMom View Post
Just a little announcement


We're fully funded and Debt free!

BS1: 2700/1000
BS2: DOne!!!
BS3: 2700/10000 - BUt know that a storm cloud vehicle replacement may be in the future
*WOOT* well done

Decluttering 500/2010
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#78 of 274 Old 04-05-2008, 05:55 PM
 
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Wow! That is so awesome!!


YAY!!!

Mommy to two super cute kids.
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#79 of 274 Old 04-05-2008, 06:02 PM
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killick, you are doing great!
kierdan'smom, congrats!
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#80 of 274 Old 04-05-2008, 09:19 PM
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End of the first "week"!

Hurray, April!

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
================
Total.........$2644.78*

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

As soon as our deposits from today (Saturday) clear, we will make our $1,000 payment to Mastercard 1, and on payday we will probably wipe out the total balance! :

*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.
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#81 of 274 Old 04-05-2008, 11:35 PM
 
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0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $4000/$1000 (We don't get paid from 5/15-7/15, so we need a huge EF)
2: Pay off all debt: $8000 home improvement @ 2.9%, $64500 in student loans at about 3.5%
3: Three to six months of expenses in savings $0
4: 15% income into retirement: Always done - Current value about $110K
5: College funding for children: $100/mo goes to their 529 - Current value is about $1100 *Last month I guessed it was 800 but it actually was higher than I thought! Yay!
6: Pay off home early - $144K home loan @5.5%
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land beyond our home (hubby's hobby)

I think the most exciting thing about this is knowing that at the end of the summer, rather than being about $3K in the hole like we usually are, we're going to be ahead. And we're paying things off and living within our earnings every month since I joined this thread. I feel really good about this. I'm not to the point where I'm making any drastic sacrifices in lifestyle to get the debt gone faster, but I see good things ahead, especially in the second half of the year. When that home improvement loan is paid in full, I am going to do a huge DANCE!
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#82 of 274 Old 04-06-2008, 03:07 AM - Thread Starter
 
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Mini update on me before I get everyone else updated on the list.

I am on crutches for at least 10 days : My left knee has been bothering me, and last night at work I could not sleep for the pain *yes, I can sleep at work, I know, don't hate me * And then I could hardly walk around, so my co-manager came in an hour early for me so I could go to Urgent Care. My regular family doctor appointment is Wednesday, but I could not handle the pain for that long. Our insurance is still paying 100% at the moment, until we hit a certain number, so at least I did not have any copays to worry with.

Anyway, the doctor, who I know really well and is a friend of the family, thinks I had to have twisted it or hurt it in some way, and maybe I just don't remember it. I really can't think of anything I did to it recently. So he gave me some anti inflammatory medication which really helps with the pain, and he wants me to use crutches to help walk with for at least 10 days. Ack! My boss is going to love that I wont be able to carry donations out to the garage at work. It is okay, DH will probably come by to do it if I ask. But anyway, he did not do an xray because he did not think that it would show anything if it was just a strain, so at least I saved that money from taking away from my insurance.

He also wants me to stay off of it and ice it, etc. I still cooked dinner tonight, but DH did the dishes But for the most part I was on the couch watching some Judge Judy and American Idol my Mom records for me sometimes since we don't have cable I was thankful for the distraction. I also got a lot of crocheting done between being up all night last night and being couch bound today.

I have to go to work early tomorrow because I promised my coworker I would to make up for her coming in early. But then after I leave at 8:30 AM monday morning, I wont have to go back until 5 PM Wednesday night. And the only thing I have to do is my family doctor appointment on Wednesday afternoon, so I should have a good chunk of time to just sit on the couch and heal.

On the financial side: I had DH lock up my debits cards in the safe. Too tempting for me, especially now that I am limping around and I don't want to cook. DH promised to cook if I couldn't, but I think I will be okay to do some cooking, I did tonight without too much trouble or pain to my knee. I just don't want any temptations to get processed, overpriced convience food while recovering. So he has those locked up now. I basically used every spare penny we had out of our paychecks Friday towards the snowball, I only kept back enough for DH to get his gas and our budgeted grocery amount. So I have not left myself any room for error, so I need to be careful where my precious grocery dollars go these two weeks So far I have not needed to go to the grocery store yet.

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#83 of 274 Old 04-06-2008, 03:27 AM - Thread Starter
 
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Quote:
Originally Posted by catballou24 View Post
hi!! thx for the welcome!

here's my progress..i just started last night, so it's not very far!

BS1: done
BS2: 20/1000

we have $15000 in cc debt to pay off, $5000 on car and $18000 on student loans. right now i'm going to focus on the cc's and the car though as my student loan payments are not bad right now and it's in good standing with a very low interest rate.
Welcome

Quote:
Originally Posted by westernskies View Post
Welcome Cat!

I sent off a payment of $220 to our current snowball today... Our goal is to pay $1000 towards it this month.
Great goal! We have the same one too this month!

Quote:
Originally Posted by Kierdan'sMom View Post
Just a little announcement


We're fully funded and Debt free!

BS1: 2700/1000
BS2: DOne!!!
BS3: 2700/10000 - BUt know that a storm cloud vehicle replacement may be in the future
YOU ROCK!! How exciting


Quote:
Originally Posted by Killick View Post
Hello -

I was on the thread back last year, towards the end of the year and then got busy and couldn't keep up.

We are on BS #2. We have fully funded baby emergency fund, actually just a tad bit more than the recommended 1K since I feel safer that way. It is 1500.

BS#2 - We started this last Nov. and had $85 K, including cars. We are now down to $66K. We send in about $500 a month to CC and should have only one left by the end of the year. We have paid off so much in CC, and closed all of them as we did it. We had a total of 11 CC and now are down to just 3, 2 of them carry a balance, and are part of the debt snowball and 1 we use to pay daycare until I get reimbursed at the end of the month, cause we don't have the cash at the beginning. But it has to be paid at the end of the month, so until we can afford to float that much cash month to month, I have to do it this way.

I have to admit, having done all of this, and having figured out what our primary problem was in getting finances under control, I don't feel nearly as sqeamish about the current economy as I might have.

Speaking of working to get out of debt, I better go get ready for work. We both took on second jobs so that we could get out of debt faster. I work in the cash office on Sat. and Sun morning at Target.

Looking forward to living like no one else with you!

Nicole
Welcome

Quote:
Originally Posted by JackieR View Post
JackieR

0: Get current on bills: Always done
1: $1,000 to start an Emergency Fund $4000/$1000 (We don't get paid from 5/15-7/15, so we need a huge EF)
2: Pay off all debt: $8000 home improvement @ 2.9%, $64500 in student loans at about 3.5%
3: Three to six months of expenses in savings $0
4: 15% income into retirement: Always done - Current value about $110K
5: College funding for children: $100/mo goes to their 529 - Current value is about $1100 *Last month I guessed it was 800 but it actually was higher than I thought! Yay!
6: Pay off home early - $144K home loan @5.5%
7: Build wealth and give! Invest in mutual funds and real estate. We have four or five parcels of land beyond our home (hubby's hobby)

I think the most exciting thing about this is knowing that at the end of the summer, rather than being about $3K in the hole like we usually are, we're going to be ahead. And we're paying things off and living within our earnings every month since I joined this thread. I feel really good about this. I'm not to the point where I'm making any drastic sacrifices in lifestyle to get the debt gone faster, but I see good things ahead, especially in the second half of the year. When that home improvement loan is paid in full, I am going to do a huge DANCE!

That is great

I have everyone updated, always double check me, sometimes my computer burps

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#84 of 274 Old 04-06-2008, 12:07 PM
 
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0: get current on bills: working on it.
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#85 of 274 Old 04-06-2008, 03:41 PM
 
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Hi,

I will have to update later in the month. We are basically keeping everything up to date and current while we finish dealing w/ our car (that was bought last month). Our insurance went up too because of the neiborhood we live in: The women on the phone when we told her our new address "Ohh myyy, looks like your rate is going up, it has nothing to do with you all, Yall driving record are great, it is just the area": And to top it off we have to pay for them update our address(transfer fee and a parking ticket DH got, and fixing the transmission mount on the car. So my next paycheck I should have a better update w/ a lower CC balance

Welcome to all the new joiners (I am still relatively new myself).
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#86 of 274 Old 04-06-2008, 05:12 PM
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Originally Posted by ~*Jaime View Post
Mini update on me before I get everyone else updated on the list.

I am on crutches for at least 10 days : My left knee has been bothering me, and last night at work I could not sleep for the pain *yes, I can sleep at work, I know, don't hate me * And then I could hardly walk around, so my co-manager came in an hour early for me so I could go to Urgent Care. My regular family doctor appointment is Wednesday, but I could not handle the pain for that long. Our insurance is still paying 100% at the moment, until we hit a certain number, so at least I did not have any copays to worry with.

Anyway, the doctor, who I know really well and is a friend of the family, thinks I had to have twisted it or hurt it in some way, and maybe I just don't remember it. I really can't think of anything I did to it recently.
More than likely, you won't remember. I sprained my knee walking across my living room last December. 4 months later it's still not 100% (like 80% better)

It popped, then hurt like stubbing a toe, then got better, then by that evening hurt like a UAV. I'm still having problems with it, because I have to walk up 1 1/2 flights of stairs to get into our apartment. It got so bad at one point that I had to scoot into bed on my fanny, instead of climbing in the front way, because it hurt to put ANY weight on that knee.

So....you totally have my sympathies!
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#87 of 274 Old 04-07-2008, 09:28 AM
 
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Well, the first week of April is just about over, and I think (99% sure) that today will be a no spend day, so I think I can do this now.

Food: 61/280
Gas: 133/175 (yikes, right? but I don't think either of us will need gas for a few weeks)
Entertainment: 5/50
Clothing: 0/35
Gifts: 19/30
Medical/Dental: 50/20
Miscellaneous: 67/50
Fun Money: 40/40 (Distributed)

On paper, this does not look good. On the other hand, it really probably isn't that bad. I think we are both set for gas for at least 2.5 weeks if not more. The gifts category is almost gone, but we had two birthdays (god daughter and dad) within the first week of April. Medical was a bill for two copays for Greg when I had forgotten the checkbook. We don't have any appointments coming up. Miscellaneous was a replacement for our mailbox key ($25), and stuff for the our garden. Though we both have things we'd like to do (pillows for our porch swing, setting up a clothesline) we both recognize that those things our simply not going to happen this month.

I'm not sure where our overage is going to come from ($47), I hope not from our snowball. I guess we'll see how the rest of the month goes.

In other news, DH, who has always been totally on board with eliminating debt (as a theory) has now read DR and is excited because he thinks we can actually do it. He really liked the stories in the book. Thankfully he is Mr. Frugal himself most of the time.

Onto week 2. Here is to a super cheap week!

Mommy to two super cute kids.
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#88 of 274 Old 04-07-2008, 10:40 AM
 
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Hope its a super cheap week Lizziebits!

Everyone we need fingers crossed: There might be a great job here in town for DH in his field! It would be soo nice to have him work for a while without him having to travel so that we can save up for a motorhome for when he does go on the road. I hate the idea of sending him on the road and having to pay for hotels and such! And it still counts as being in school =)
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#89 of 274 Old 04-07-2008, 12:32 PM
 
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Considered my crossables crossed!

Mommy to two super cute kids.
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#90 of 274 Old 04-07-2008, 05:13 PM
 
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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.
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