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  1. Debt Reduction & Money Management
    First, I'm new here and I apologize if this is not the proper forum for this question. If I've made a mistake by posting the question here please let me know. For a while I've known that our car payment is killing us but a few days ago I came across the Dave Ramsey show and I feel like I really...
  2. Success Stories
    We got our income tax back on Friday and was able to pay off our entire vehicle loan. It will save us $290.00 a month.:applause: It took all of our check except $48 dollars but it was worth it. There are so many things we could have used that money for but getting out of debt is more important...
  3. General Chat
    As of today. *phew!!* :pblow: Still trying to settle into new place we will be buying, renting for now. Am wore out!! lol But happy. Am able to eat and sleep again finally, lol. Old mortgage... $2300 month (yeah, THEY messed up on escrow). New mortgage will be around $700 or...
  4. Debt Reduction & Money Management
    A couple of weeks ago, we refinanced our mortgage with a new lender (our credit union). We now have a 10 year mortgage at 3.125%. (Woohoo!:yippee: ) Unfortunately, as far as I can tell,our new mortgage company does not offer online payments, which we were taking advantage of with our last...
  5. Debt Reduction & Money Management
    I need some advice to direct toward my DH. In June 2010, he purchased am 04 pickup truck(which he "needed" for work). The payments on it are $360 a month and are totally killing our budget. They are exactly 10% of our take home pay. We are self employed, so that is without taxes taken out. We...
  6. Dave Ramsey
    Is it considered extreme in your family and/or social circle not to have a car payment?
  7. Dave Ramsey
    We have two Chase Visa credit cards. One is at about 9% and has a balance around $2,000.00. The second is at a 27% (I know, I know) and it has about $5,000.00 owing on it. I talked with our bank (we bank with Chase) to see if we could get a lower rate on the big one. The bank lady called...
  8. Success Stories
    FINALLY!! Got the van paid off, 3 months early. We are so excited. DH is already planning the next bill to start tackling!! It is because of this board that we even heard or learned about snowballing and budgeting. Its because of all of you that we were able to pay the van off and can now...
  9. Dave Ramsey
    If making a credit card payment saves $ on interest and would free up that same amount on the credit card that could be used for an emergency, why not do that? Is it to get off the merry-go-round of credit cards? Is that really more important than getting this debt knocked out? I have such a...
  10. Money challenges
    We were doing this this summer, I thought I'd pop it up again :crackup: I like seeing months coming off the mortgage. This week i upped our weekly payment by $50/week. This took off 5 years from the mortgage, if we keep it that way. With ALL the extra in the weekly payments(now I think it's...
  11. Debt Reduction & Money Management
    Preston - Did you write this article? :lol: I know you didn't but I thought about you when I read it. Pay off most-hated debt first for biggest relief - Personal finance- msnbc.com It does make sense.. when you hate a bill or creditor it would MAKE you want to get rid of the dang thing quicker...
  12. Debt Reduction & Money Management
    has been payed with this first check of the year. as well as last month and this months credit card payment. after putting 100.00 in savings, that leaves me with a grand total of $199.20 in my checking account. i know that's not all that needs to be paid but until my husband sits down with...
  13. Debt Reduction & Money Management
    Tonight my first payment goes to my Debt Management Program. So here we start ! But, tonight I got a call from B of A they wanted a payment of $270.00 for one of the cards, they said if I did not pay them in a branch by Friday 2pm that the account would charge-off. I told the woman that I dont...
  14. Blog
    A Life Without Debt: Why Meeting Your Obligations Isn’t Enough One of my friends became debt free about year ago. We were at lunch talking about how good it feels to be debt free, especially in the middle of a recession, when she uttered this gem: “It’s so great. I can pay all my bills and...
  15. Dave Ramsey
    I am working my debt snowball and my wife has finally returned to work. Now that we are getting income from her again, she will make enough to cover the mortgage (and then some, but not much more) She get's paid weekly and one paycheck is about 1/4 the mortgage. My thought was to put her...
  16. Financial hardship
    I'm behind on paying my car payment. I don't know what happened, but somewhere down the road I've gotten a month behind. I pay every month, but it goes towards the previous month and I don't have the money to pay 2 months. I spoke with the bank and they said I could defer 2 months and then get...
  17. Debt Reduction & Money Management
    Has anyone else gotten the notice from Chase they are increasing the minimum payment from 2% to 5%? I read on MSN it seems to be targeted toward customers that took advantage of low interest rate balance transfers. I cannot imagine how this will affect some people. At least we will have the...
  18. Debt Reduction & Money Management
    This morning i decided that i wanted the credit card paid off faster. I had set my budget up to pay $75 per fortnight off the cc - it currently has an intrerest rate of 19.99% as the debt was incurred by cash advances while OS. At a payment of $75 per fortnight it would have been paid off by...
  19. Dave Ramsey
    Tomorrow I will have a shiny new much smaller balance!:pblow: I can't wait! Dh said we should get enough of a second comission to pay off both the cc and make a full car payment if that is what we decide to do. I will know more on the 16th. I am getting so excited to see this stupid cc go...
  20. Success Stories
    Thought i would put something in here where i could ramble about my progress with paying down my naughty debt. In the last few weeks i have really gotten into watching Till Debt Do us Part and it got me thinking about my own situation and how to make my money work for me. So i restructured my...
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