12/16/16 Debt reduction -savings thread - Page 5
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  1. #61
    Registered User qsaver704's Avatar
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    One of my goals this year was to save $200 to buy Christmas lights. I don't need them, but my dh wants them and they make him happy. Well, I found lots on sale 50-75% off after Christmas, so that one is done! We switched cable providers and got a $300 Sam's Club gift card, so I will be buying Disney cards to make a payment with those. We also decided to NOT rent a car, but just do minor repairs to our car and drive it, so hopefully that will be cheaper. Starting a pantry challenge this week to save grocery money.

  2. #62
    Registered User qsaver704's Avatar
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    We got our W2 today and are both off, so I think we will do our taxes today. Hoping to get enough money back to pay for Disney fully and begin other goals. DH does want a video game system for his Feb birthday, so that and then savings!

  3. #63
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    Put another $100 towards debt reduction, working a lot of overtime hours. Making better choices as to how our money is spent.

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  5. #64
    Registered User KimB's Avatar
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    $96.89 added to regular monthly loan payment. Respite client staying extra days this month. New balance.

  6. #65
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    Thought I'd stop in and offer congrats and encouragement..We are still debt free.
    Sure wish we'd see the w-2's. We owed last year but we made a lot less this year too I think.

  7. #66
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    I paid off one of my credit cards!!! It was the one that had my school tuition on it. 3k of a credit card!!

    Taxes look like they will be 7k. More than expected!

    Our company decided to up the tuition reimbursement to 4K which is awesome. So I can expect that in May. It used to only be 2.4k.

    Hubby is working this whole weekend and OT and double time. Sunday alone should bring in $600 before Uncle Sam.

    i should graduate end of summer, which means I can take my boards sooner, and get my pay raise sooner!!

    2016 WILL be a good year for us.

  8. #67
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    3k of a credit card!!
    Taxes look like they will be 7k. More than expected!
    That means that you borrowed $3000 on a CC and lent it to the IRS for free? Time to submit a new W4 at work and get that $7000 error fixed.

  9. #68
    Registered User Raiquee's Avatar
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    I've explained our tax refund a million times. if I was money flawless I would not have any CCs and hardly any tax return!

    Sadly I'm not, and the tax return helps us out in one way or another.

    Until my money issues get better- i.e.: we are able to save money! The tax return will keep coming.

  10. #69
    Registered User qsaver704's Avatar
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    An exciting day here! Federal tax returns back! We have enough to pay for Disney and our extras while there (food, gas, etc.) I will be making payments this weekend. We also have enough to refill most of our sinking funds. We will have 9 months of car insurance, school books, clothing, and some Christmas money set aside. Our state return should be back soon and it will be enough to pay off my final outstanding debt, which unfortunately is to my son. Of course, we pay for his everything, so no rush to pay him back, but it will be good to have it done. Finally we will have some money to do all those things we have needed to do a while, but didn't have the money-adult dr. visits, adult dentists, car repairs we keep putting off, house repairs. I am sure all these will not get done immediately, but we will start on them slowly and the money will be there to do them!!!

  11. #70
    Registered User KimB's Avatar
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    $100 put towards principal on loan, payday and I worked several overtime hours past 2 weeks.
    Also put extra in EF from doing extra respite care in our home this month, dh says the van needs radiator work.

  12. #71
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    Making slow progress due to unexpected dental work (ugh). We are on track for EF next week! Also decided to start a home/vehicle maintenance fund that we will start w tax return.

    It is good to others take vacations. I have felt guilty traveling and planning vacations while still in debt. I feel they are so important as long as we can pay cash.

  13. #72
    Registered User qsaver704's Avatar
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    Our federal taxes came back. We paid off Disney. We still are saving up for things like gas money, food down, a few new pair of shorts, souvenirs, etc. We also went ahead and repaired one of the cars. I was hoping it would be $500, but everything is done for $900. Sorry it was that expensive, but happy we had the money and it is done. I also took both kids to the dentist and had work done on one, and that bill is paid. Now we are working on filling the sinking funds like Christmas gifts, school books, etc.

  14. #73
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    Got the Hw dog spayed the other day so all that $$ saga is over
    Ended up fixing the car window w/ junk yard parts and they installed
    Got the dry good pantry overstocked. Saving for the unemployment that happens in 2 weeks
    Still debt free-barely!!

  15. #74
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    Paid off the tax screw up from 2013 - $10,700. Glad I had the money in the bank and it wasn't my EF either.

    I just paid @$4,500 cash to fix up my house. I knew it was coming so I saved the money last year.

    Now back to my regularly scheduled goals for 2016 before I was so rudely interrupted. So far this year I've paid $981.39 on debt. Not happy about that so I'm going to buckle down and work harder to make my 2016 goal. I'm hoping to pay an extra $2,000 on my next mortgage payment as January was a 3 check month for me.
    2020 Goals:
    Pay off Ohio House - PAID OFF!! March 2020
    Save for whole house generator - $0/$15,000 (Guess amount, no quote)
    Fully Fund all Retirement Accounts & HSA - $12,500/$43,000
    Save for fruit trees - $0/$2,000 (by December)
    Survive Outage - 6-12s for 3-6 months.....love the pay, hate the hours
    Save for pond....now a 2022 goal

  16. #75
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    tax refund came in, and out it goes to pay off some more on the vehicle loan. Estate should settle finally next month and then the rest of the vehicle loan will go.
    We do owe for state tax but I would rather owe the state than get a refund.

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