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12-04-2007, 08:57 PM #1Registered User
- Join Date
- Nov 2007
- Location
- WNY
- Posts
- 466
- Post Thanks / WTG / Hug
- Rep Power
- 5
Didn't quite meet my Nov goals, but...
... met enough to keep me going! Am now on unemployment (will get my first check in about a week) so money is tight!! Sure am glad I started working on debt reduction and adopting a more frugal lifestyle and then found the FV! Am hoping to piece things together for a few months without using credit cards...
You have all been great - every day I learn something new, have a laugh or two, and am impressed by the support given to each other when we face the tough times we all experience every once in a while.
My new goals are to finish my college apps in Dec so I can start school in March, to use coupons to further reduce my grocery expense, to keep searching for a good job, to bake from scratch more, and to remain positive. (That last one has been a toughie for me, and you have all helped me keep my spirits up.)
Just wanted to say "Thank You!"
Jen
30 yr old DD
3 kitties
(2 adopted from my daughter)
As of January 1, 2011------------------------ Updated June 10, 2011
Short term goals:
- $2,000: to set up my consulting business. DONE!
INVESTED ANOTHER $5000!
- $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
- $1,500: pay off Student loan ALMOST THERE!
- $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
- $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
- Complete tax returns by February 15th DONE
Long term goals:
Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
Balances January 1, 2011 -----------------June 10, 2011
Citimortgage on home: $104,500-------- $102,775
BofA Mtg on Rental: $27,000------------ $26,000(Est)
HSBC Equity Line on Rental: $11,900------ $9,902
Citibank car loan: $13,830 -------------- $11,663
Cornerstone car loan: $11,600------- PAID OFF!!
Student Loan: $1,500------------------ $320
Credit card: $1,200-------------------- $1,200
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12-05-2007, 10:53 AM #2Registered User
- Join Date
- Jul 2007
- Location
- Boston MA
- Posts
- 291
- Post Thanks / WTG / Hug
- Rep Power
- 5
Stay positive and keep visiting!
There are so many great tips here and it's very supportive as well. BTW, Some colleges reduce application fees if you are on a limited income. I remember some fees being OUTRAGEOUS so it's worth asking about. Good luck!
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12-05-2007, 11:09 AM #3Registered User
- Join Date
- Nov 2007
- Location
- WNY
- Posts
- 466
- Post Thanks / WTG / Hug
- Rep Power
- 5
I will do that. Thanks for the tip!
Jen
30 yr old DD
3 kitties (2 adopted from my daughter)
As of January 1, 2011------------------------ Updated June 10, 2011
Short term goals:
- $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
- $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
- $1,500: pay off Student loan ALMOST THERE!
- $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
- $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
- Complete tax returns by February 15th DONE
Long term goals:
Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
Balances January 1, 2011 -----------------June 10, 2011
Citimortgage on home: $104,500-------- $102,775
BofA Mtg on Rental: $27,000------------ $26,000(Est)
HSBC Equity Line on Rental: $11,900------ $9,902
Citibank car loan: $13,830 -------------- $11,663
Cornerstone car loan: $11,600------- PAID OFF!!
Student Loan: $1,500------------------ $320
Credit card: $1,200-------------------- $1,200
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