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08-24-2008, 07:55 PM #61Rude and Vile Master
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Today was budget day, and snowball day. Technically our snowball day is supposed to be the last budget day of the month, but we started out with Monday being budget day, and the last 2 weeks, we've done it on Sunday, which works for us much better. So...tomorrow would be the last monday in Aug, which made tomorrow snowball day, but today is not the last sunday. We decided to stick with it still being snowball day anyway, and next month we'll be back to "normal" (if we can figure out what normal is...)
ANYWAY, long story short, a nice chunk on the snowball, and we also put the remainder of the money from the stock sale into it. Ceashel's car debt is now below $10,000.
February or March will see it PIF. Maybe even sooner if we can keep being as focused as we have been.
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-24-2008, 08:06 PM #62Moderator
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What Greebo says :
What Ceashels hears: blah blah blah blah blah blah blah and snowball blah blah blah blah blah blah blah blah snowball blah blah snowball blah blah blah blah blah blah blah blah blah blah blah blah blah blah snowball blah blah blah blah blah blah blah blah blah blah blah blah blah blah
Originally Posted by Greebo
I wanna snowball!The Free Spirit Saver who walks the path with Greebo.
Onboard with a modified Dave Ramsey Plan
Budget: "Every month! On paper, on purpose!"
Gardening somewhere between Zone 6b and 7a.
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08-24-2008, 08:12 PM #63Rude and Vile Master
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Greebo throws a snowball at Ceashels. Originally Posted by Ceashels
***** SPLAT! *****If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-24-2008, 08:23 PM #64Registered User
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There's snow place like home.
Mom to Emma, Spencer, Connor, Lily,Fletcher, Amelia and Adeline.
Mortgage $78,500/$15,200
EF 3 mo income barring
anymore emergencies
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08-24-2008, 08:37 PM #65Moderator
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Hmph, I had in mind a chocolate snowball with marshmallow creme on top.
The Free Spirit Saver who walks the path with Greebo.
Onboard with a modified Dave Ramsey Plan
Budget: "Every month! On paper, on purpose!"
Gardening somewhere between Zone 6b and 7a.
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08-24-2008, 08:49 PM #66Registered User
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That's some serious snowballing going on! Great progress! You guys are doing awesome! Originally Posted by Greebo
ANYWAY, long story short, a nice chunk on the snowball, and we also put the remainder of the money from the stock sale into it. Ceashel's car debt is now below $10,000. February or March will see it PIF. Maybe even sooner if we can keep being as focused as we have been. 
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08-24-2008, 11:42 PM #67Registered User
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I'm impressed with the progress you two are making. Thanks for updating us from time to time. It's inspiring to read of your success. Keep up the good work!
Last edited by Samigirl; 08-24-2008 at 11:43 PM.
How much we enjoy what we have is more important than how much we have. Life is full of people who have more than they know what to do with, but cannot be content. It is the capacity to enjoy life that brings contentment.---Unknown
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08-28-2008, 08:41 PM #68Registered User
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How did I miss this thread?! I thought I'd searched out all Greebo's stuff...apparently not! this is great stuff guys. Congrats on the snowballing you're doing. You've got quite a hole to dig yourselves out of, but you can do it! Thanks for posting this...
Jean2012 Challenges
Use it up Challenge
20 Wishes Challenge: 1/20
Lose-a-pound-a-week Challenge: 24/52 (since spring 2011)
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08-29-2008, 06:51 PM #69Rude and Vile Master
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Woohoo! Not only did the snowball check hit the car loan today, but the regularly scheduled check hit it on the same day. Here, I was all excited because the snowball was gonna push Ceashels' car balance down below 5 figures? Well not only did her balance go below $10,000, it went below $9,000!!!
August is a 3 pay month, but we are treating the last paycheck as part of September. With "3" pays in September, Septembers snowball is gonna be huge! Her car may very well be paid off THIS YEAR. Jan 09 at the latest, at this pace!
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-29-2008, 09:57 PM #70Registered User
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Man those are some B-I-G snowballs.....and all they do is pick up speed once you've got 'em rollin'. Way to go!!!!
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09-15-2008, 09:03 AM #71Rude and Vile Master
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Not much to add right now - the lull between snowball payments, next one to be calculated on 9/28. Routine payments going through. We did go a little non-frugal in the last week - we bought Spore, a new computer game I've been waiting on for nearly 2 years.
Right now the only big concern is that if we don't finish getting the apartments renovated soon, we may have to redirect the snowball to the renovations.If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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09-18-2008, 11:59 AM #72Registered User
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Interesting post. Greebo, it's always SOMETHING isn't it, even when you are focused, it's always something!
Ruth
Got married Feb 14, 2010 at Akaka Falls on the Big Island of Hawaii
In loving memory of my 8 year old MinPin 'Jake'. He was a great companion and I miss him dearly!!!!
05/05/98 - 10/07/06
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09-29-2008, 09:40 AM #73Rude and Vile Master
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Sunday was the monthly snowball meeting. (Budget meetings are weekly, snowball monthly.)
Due to ceashels being unable to work for a few weeks due to some muscle/nerve pain, the snowball was notably reduced.
But more depressingly, because we have discovered still MORE work to be done in the apartments, and due to other delays, we are suspending the snowball and diverting what would be the snowball over to the business account in order to keep the momentum going on our work there.
*sigh* Sucks but we've gotta do it. The funds we set aside at the beginning of this project weren't enough. We have *got* to get a tenant in upstairs in October...If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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09-29-2008, 09:54 AM #74Registered User
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Isn't it amazing how much money a building can "eat" even when you DIY? Hope you get your tenant in October like you want to.
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09-29-2008, 01:57 PM #75Registered User
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I'm so sorry to hear about your building projects going a bit awry. Believe me, I know how that feels from our days of construction on our house addition. Even when you think you are giving yourself a buffer, things always cost more!
Hopefully next month you'll be back on track with the snowball and the work project. It's only one month- just remember that.
More importantly, I hope your wife's pain eases up. That's tough. I'm sorry to hear that.
Stay strong - the rest of us are counting on you!
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