Results 1 to 15 of 18
LinkBack URL
About LinkBacks-
09-19-2008, 09:48 AM #1Registered User
- Join Date
- Apr 2008
- Location
- Winsted,Ct
- Age
- 35
- Posts
- 472
- Post Thanks / WTG / Hug
- Rep Power
- 5
I'm giving myself a cautious pat on the back!
Ok, so some of you will remember a few months ago when I was panicking about my mortgage.
I got 3 months behind,bills were getting past due. I had no clue where most of my money was going and really couldn't account for anything.
Well, last week I had a major panic/anxiety attack when my SIL came to visit me and I lost it. She looked at my bills and helped me start a plan...
I called the mortgage company and they are doing a 'loan modification'...
They told me to pay $40 more than my monthly mortgage for 3 months... After the 3 months the loan goes into review... I don't pay mortgage for January or February. At the beginning of March they will give me one of 2 options... 1) pay the $5700 that is behind or 2) they'll put it on the back of the loan..
I am very happy with this! I am very relieved.
As for the bills, I am current on everything now.
I went yesterday and opened a separate savings and set it up so $400 a week gets taken from me checking account and deposited into my savings. (They are not linked-just the same bank so they can do that)
The $400 a week will cover my mortgage and give me an extra $126 at the end of every month. This will eventually be my EF...
The other bills come out of the $$ that stays in my checking account.
Bills now come FIRST...
My car is paid off (just paid this off the first week of Sept) so keeping up will be a breeze now!
I am so happy, my stress and anxiety is gone!
I am on the golden path and feel great!
I still have old bills that are sitting in collection but they can sit a while longer. Once I am in a routine with all of this and there is extra money I will pay them off one by one... In about 2 years I should be debt free except for the mortgage...
My life is changing! My life is finally becoming the way it should. I feel great!
Thanks for reading... I'm just so proud of myself.
I feel like I could yell from the rooftop!Me 34 DH 37 DS 6
-
09-19-2008, 10:07 AM #2Registered User
- Join Date
- Jan 2006
- Location
- Georgia
- Age
- 47
- Posts
- 5,616
- Post Thanks / WTG / Hug
- Rep Power
- 19
That is wonderful news. You definitely deserve a pat on the back. Glad you have gotten your finances in order.
-
09-19-2008, 10:09 AM #3Moderator
- Join Date
- Apr 2007
- Location
- Baltimore, Md
- Posts
- 3,607
- Post Thanks / WTG / Hug
- Blog Entries
- 2
- Rep Power
- 26
congratulations! A sit down, take a look at, and develop a plan is one of the most difficult things to do. Somehow, it hits an emotional chord and connects it to the brain. You now have a plan of action that is proactive in how you live for your future!
You can be very proud of yourself.
I'm proud of you.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.
-
09-19-2008, 10:18 AM #4Registered User
- Join Date
- Apr 2008
- Location
- Michigan
- Posts
- 494
- Post Thanks / WTG / Hug
- Rep Power
- 6
That is wonderful news, Keep up the good work!
-
09-19-2008, 10:55 AM #5Registered User
- Join Date
- Nov 2006
- Location
- great lakes region
- Posts
- 163
- Post Thanks / WTG / Hug
- Rep Power
- 6
Congratulations! Keep up the good work. Goodbye, guilt, goodbye, stress!
Menu planning challenge 2011
Mind the pennies, and the dollars will take care of themselves.
-
09-19-2008, 12:03 PM #6Registered User
- Join Date
- Oct 2005
- Location
- Green Country Oklahoma
- Posts
- 1,124
- Post Thanks / WTG / Hug
- Rep Power
- 10
Good for you! And you have a great sil!
The democracy will cease to exist when you take away from those who are willing to work and give to those who would not. -Thomas Jefferson
-
09-19-2008, 12:07 PM #7Registered User
- Join Date
- Apr 2008
- Location
- IDAHO
- Age
- 26
- Posts
- 877
- Post Thanks / WTG / Hug
- Blog Entries
- 21
- Rep Power
- 7
That Is Awesome! I'm Glad Things Are Soo Much Better For You!!
Brandi
Mom to Duramax
and to Chelsi 
-I miss you
My Ravelry:
http://www.ravelry.com/people/ChevyChick95
2012 goals
Homesteading skill challenge
Homemade Christmas
Sewing challenge
Needle arts challenge
Learning from Duramax
No Eating out
20 wishes
Me Challenge
Project Chemo Caps
Create 365
-
09-19-2008, 12:09 PM #8Registered User
- Join Date
- Jul 2006
- Location
- Texas
- Age
- 43
- Posts
- 2,616
- Post Thanks / WTG / Hug
- Rep Power
- 16
You should very proud of yourself. I'm so glad the stress and anxiety is gone. Keep up the excellent work!
--Michelle~ Michelle
Wife to DH--
Mom to DS--
and DD--
Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
Mortgage -- $53,077.24
March Emergency Fund Challenge-- $100 /$200
----------------------
"The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got." --Will Rogers
-
09-19-2008, 12:38 PM #9Registered User
- Join Date
- Apr 2008
- Location
- Winsted,Ct
- Age
- 35
- Posts
- 472
- Post Thanks / WTG / Hug
- Rep Power
- 5
Thankyou! I feel great! I just called about a medical bill for DH that seemed to high, after they explained it to me I made a payment arrangement for $25 a month. God, it feels good to know where my money is going and what I'll have left at the endof the month!
I don't feel the urge to go nose around a store to buy,buy,buy things I think I'll need or could use.. I think they call that 'depressed shopping'! I'm content with what I have and have actually been cleaning out stuff!
It's weird, the better I feel the more my house comes together without buying new stuff!
I have been reorganizing and repurposing today. If I don't need it, I'm freecycling it!
I need to get started on making a pair of warm pj's for DS.. it's my first attempt so it should be interesting! lolMe 34 DH 37 DS 6
-
09-19-2008, 01:24 PM #10Registered User
- Join Date
- Sep 2008
- Posts
- 215
- Post Thanks / WTG / Hug
- Rep Power
- 4
I bet that feels great! It goes to show you that no matter how bleak things look, there is always HOPE. Within a short amount of time, with simply a phone call and the encouragement of a sister you have turned things around- a complete 180! Amazing!
Congratulations!
-
09-19-2008, 01:30 PM #11Registered User
- Join Date
- Apr 2008
- Location
- North Las Vegas
- Posts
- 479
- Post Thanks / WTG / Hug
- Rep Power
- 7
You're doing great and should be very, very proud of yourself.
-
09-19-2008, 03:44 PM #12Registered User
- Join Date
- Jan 2006
- Location
- Northern NJ - PBurg
- Age
- 39
- Posts
- 9,272
- Post Thanks / WTG / Hug
- Rep Power
- 20
That's great news! You deserve to give yourself a pat on the back.... WTG!
-
09-19-2008, 03:53 PM #13Registered User
- Join Date
- Nov 2007
- Location
- On a Cloud in the Midwest
- Posts
- 1,932
- Post Thanks / WTG / Hug
- Rep Power
- 20
Congratulations!!! You should be very proud of yourself. It always seems darkest before the Dawn.... Now with a plan you will really accomplish a lot. Great days and debt free days are ahead for you my friend.
Much Blessings,*Angel*
Dave R. Plan
Step one - Done
Step two-Done
Step three-Done
Step four-Done
Step five- Working on
Step six- almost done
Living debt free except the mortgage and working on that !!!
Be content with what you have;
Rejoice in the way things are,
When you realise there is nothing lacking,
the whole world belongs to you.
-Lao Tzu
Have Courage
“Whatever course you decide upon, there is always someone to tell you that you are wrong. There are always difficulties arising which tempt you to believe that your critics are right. To map out a course of action and follow it to an end requires…courage.” Ralph Waldo Emerson
"I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw some things back..." Maya Angelou
"Choose a job you love and you will never work a day in your life." (Confucius 551-478 BC)
-
09-19-2008, 05:37 PM #14Registered User
- Join Date
- Feb 2008
- Location
- Chaffee, Missouri
- Posts
- 461
- Post Thanks / WTG / Hug
- Blog Entries
- 12
- Rep Power
- 7
Congratulations Amy!
I'm so happy for you. Good luck on those PJ's!
Debbie
-
09-19-2008, 06:57 PM #15Master Dollar Stretcher
- Join Date
- Feb 2006
- Location
- California
- Posts
- 16,164
- Post Thanks / WTG / Hug
- Blog Entries
- 427
- Rep Power
- 82
That is definitely back-pat worthy. Give your SIL one while you are at it, for helping you get back on track, as well!!
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
June no-spend: 0/15 
June wasted money: $0 
June grocery: $0/400
2012 LAPAW: 8.8/20 
2012 Get-Thee-To-The-Gym Challenge: 7/52
: 1136/66,795 
Run/walk challenge: 91/520 miles
Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) 
(2911 days until retirement)
Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi
Reply With QuoteSimilar Threads
-
So how was everyone's Thanks Giving
By Nana2two in forum General ChatReplies: 22Last Post: 11-27-2010, 08:44 PM -
Are we too health cautious?
By Russ in forum Health and beautyReplies: 37Last Post: 11-03-2010, 07:07 PM -
Giving myself a pat on the back!
By tkn4lif in forum Debt Reduction & Money ManagementReplies: 18Last Post: 01-15-2009, 10:01 AM -
I take it back I take it back!! the Garden Burger Veggie Medley patties
By aylasmommy in forum Health and beautyReplies: 2Last Post: 02-12-2003, 11:10 PM
Bookmarks