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Thread: This year...
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02-01-2011, 08:39 PM #1Registered User
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This year...
has been great so far!!
Our church decided to offer Financial Peace University and it started in the middle of January. We really wanted to take it but dh was off work for all of December due to a hernia surgery, so we just didn't have the money for it. I mentioned it to a friend and she mentioned it to our pastor. The pastor told us that we could barter for the class, so we ended up house and petsitting for them for 2 weeks over christmas. Tomorrow will be week 3 of the course and we are loving it!!
Last week we paid off our smallest credit card!! YAY!! We also put a large payment onto the next one so it should be paid off by the end of February.
Today I called our cell phone carrier and cancelled my phone, saving us $35/month. They also lowered dh's bill by $5/month and when going over the bill they found a mistake on last month's bill so we will be getting a $33.39 credit on our next bill.
Then I called our home phone/internet provider and they lowered our bill by $10/month.
When the moms came to pick up their kids one of them asked me to make some cookies to sell her this week. I also have 2 orders for wedding cakes, 1 in May and 1 in June.
I am so excited about all the extra amounts that I will be able to put towards debt. I just had too share with people that will get it.
EF $703.21
STARTING DEBT $40,567.12
DEBT TO DATE $5,571.24
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02-01-2011, 11:25 PM #2Registered User
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Congrats! What a way to start out the year.
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02-02-2011, 08:15 AM #3Super Moderator
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I like how your Pastor offered to barter for it, wtg!
~*Darlene*~
Live Well~LaughOften~Love Much
"Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
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02-02-2011, 11:33 AM #4Registered User
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That's great danni! Those cc will be gone soon!
Dh Bob
FIL 
DS (21) at Lakehead U - go Thunderwolves!
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02-02-2011, 11:45 AM #5Registered User
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When they told us we were absolutely thrilled. We've tried to barter with people before but most are just not interested, so we haven't even tried in quite awhile.
Originally Posted by Darlene
EF $703.21
STARTING DEBT $40,567.12
DEBT TO DATE $5,571.24
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02-02-2011, 11:50 AM #6Registered User
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that is awesome! Way to go!! you should be very proud of yourself!
Judy
never loose site of the big picture
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02-02-2011, 12:37 PM #7Registered User
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That is fantastic Dani, good bartering. I am so happy for you. You can do it, we will be cheering for you.
*Angel*
Dave R. Plan
Step one - Done
Step two-Done
Step three-Done
Step four-Done
Step five- Working on
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Living debt free except the mortgage and working on that !!!
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02-03-2011, 02:38 PM #8Registered User
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Happy for you. I love bartering, things would be so much easier if more people did this.
Cat
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02-07-2011, 01:30 PM #9Registered User
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Way to go! and I think DR would be proud to hear that you bartered to attend FPU rather than miss it!! Good thinking on your pastor's part, and so smart of you to make it happen!
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
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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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02-07-2011, 01:38 PM #10Super Moderator
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Good job Danni and Danni's DH! You guys are doing a great job!
Last edited by Russ; 02-07-2011 at 03:16 PM.
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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02-24-2011, 01:29 PM #11Registered User
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Instead of starting a new thread I thought I would just post here again.
I was babysitting for 3 families until recently. One of the families moved away for work and one I had to quit because she hadn't paid me in the past month. So I only have the 1 girl now and she goes to the same school as my kids.
I decided to apply for the bus driving position at my kids school because we need the money. I didn't really want it because it means my older kids will have to watch my dd and the other girl in the morning(the girls would come with me after school). The other mom is ok with that so it would work.
The day after I applied they told me the position had already been filled but asked me to take the part time kindergarten TA job. This is even better for me and I am really excited. It is only temporary right now as the other TA is on medical leave right now. It looks like there is a chance that she won't be coming back at all in which case it would become permanent. EF $703.21
STARTING DEBT $40,567.12
DEBT TO DATE $5,571.24
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02-24-2011, 02:02 PM #12Registered User
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That is really great news Danni! congratulations! on your new job !!!
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02-25-2011, 07:02 AM #13Registered User
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Congrats on the new position!
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02-28-2011, 11:02 PM #14Registered User
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OK Another Update
Today we paid off the 2nd credit card!!!
I haven't cancelled it because I knew it had points on it that I wanted to redeem. I called in today and we had $50 worth of points, so I ordered 2 wii games for the kids for christmas. The total came to $59.78 so we will have to pay $9.78 out of pocket and once the order gets here we will cancel the card. YAY!!
Oh and I got 2 orders for birthday cakes this weekend so that will be a few more bucks towards the next bill.
WOOHOO!! 2 down 4 to go!! EF $703.21
STARTING DEBT $40,567.12
DEBT TO DATE $5,571.24
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03-01-2011, 01:33 AM #15Registered User
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WAY TO GO DANNI!!!! 
All sort of congrats are in order......paying off cc.......new job..........other little baking extras........YOU GO GIRL!!!
You are just flat on a roll.......keep it up!
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