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08-14-2008, 08:26 PM #1Registered User
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Shameless Bragging About a Little Tiny Success!!
Yay! it is pay day tomorrow, and I have $100 in my ef, and all the bills are paid, and I am on budget to make an extra "snowball payment" to Visa tomorrow!!!
Janet (taking it a paycheque at a time)BEF: $$120/$1000
Change Jar- $36.20
My New Computer Fund - I DO NOT NEED A NEW COMPUTER UNTIL I HAVE A FULLY FUNDED BEF!!
Debt Snowball - ON TARGET!!
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08-14-2008, 08:27 PM #2Registered User
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Way to go!!
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08-14-2008, 08:29 PM #3Registered User
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Good for you : ) Way to get out there and work!
Great Job!
leezza
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08-14-2008, 08:30 PM #4Registered User
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Good for you - love the "shameless bragging" line.
Let me tell you this is no small success, 12 months ago I remember the first time I got through pay day with any money left over - the feeling was soo good that that alone kept me going for ages.
The small successes are what keep you motivated.Debt 1 - Paid in Full (originally $750)
Debt 2 - Paid in Full (originally $2100)
Debt 3 - Paid in Full (originally $3500)
Debt 4 - Paid in Full (originally $4000)
Debt 5 - Paid in Full (originally $3000)
FFEF - Fully Funded with 6 months of expenses as of July 2009
Next Step - House deposit
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08-14-2008, 08:46 PM #5Registered User
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Way to go, Janet!
--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
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08-14-2008, 08:54 PM #6Registered User
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wtg Janet!
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08-15-2008, 12:03 AM #7Registered User
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Good job. I am happy for you.
A question though if I may, what made you decide to go ahead and start the debt snowball without your Baby $1000 EF in place?
I am just nosy and I am NOT knocking your choice to manage your own finances your own way.The math never lies, budget in INK!
Amount of Free items 2012 $391.33
Debt #2 12/31/12 CC $901.88
Debt #3 12/31/12 $3648.83
Madness, mayhem chaos...my work here is done!
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08-15-2008, 12:05 AM #8Moderator
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Awesome job Janet. Woo hoo!
Married to George {married 9/23/11}
Step-Mom to Connor {8}, Ethan {7}, Rylin {5}, Adri {3}
Dog Mommy to Ruby & Raven-{7}
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08-15-2008, 08:21 AM #9Registered User
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Way to go!!!!!
~July 19 saving goal for event $104/$1000
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08-15-2008, 08:22 AM #10Registered User
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WTG!
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08-15-2008, 08:45 AM #11Registered User
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You go girl!
~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~
*We're debt freeeeeeeee! (including the house)*
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08-15-2008, 08:57 AM #12Rude and Vile Master
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While I think that is awesome, I must say, I think your EF is far too small.
Originally Posted by daughter of pearl
If something serious hits that costs a few hundred bucks, you've got no buffer to fall back on - you'll have no choice but to undo your hard work with Visa by going further into debt.
I'd seriously consider diverting that snowball to the EF to build it up to about $1000 ($500 if income is < $20000/yr)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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08-15-2008, 09:02 AM #13Super Moderator
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It's possible that the $100 is a typo, and she really meant $1000. I'm sure she'll clear that up for us when she comes back to this thread.
Anyway, great job Janet. Every little bit helps
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08-15-2008, 09:05 AM #14Registered User
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Meg
cc debt free YEAH on to the mortage
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08-15-2008, 09:06 AM #15Rude and Vile Master
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I am afraid not: Originally Posted by Michelle
It's possible that the $100 is a typo, and she really meant $1000. I'm sure she'll clear that up for us when she comes back to this thread.
Anyway, great job Janet. Every little bit helps
Originally Posted by http://www.frugalvillage.com/forums/showthread.php?p=978852#post978852
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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