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  1. Debt Reduction & Money Management
    A couple of my co workers have been bragging about how they have set up their mortgage company to take half a payment every 2 weeks. They are saying that the end up with an extra payment every year so it is paid off faster. Now call me crazy but wouldnt it be a wiser decision to take the money...
  2. Dave Ramsey
    I am just curious of what others do if in a similar situation to me. I am paid twice monthly and my snowball is made up of equal parts each payday of $250, for a total of $500. Do you opt to make your additional payments on whatever bill you are currently putting the extra on as soon as the...
  3. Debt Reduction & Money Management
    Hello everyone. I have posted here before and laid out my financial situation in another thread. I received awesome advice and now I’m looking for more. Since posting last, I’ve had a new twist to our debt situation. Here goes… We (my wife and I) had two car payments that were basically...
  4. Dave Ramsey
    Hello everyone, My family has $44k in CC debt on 6 cards. We have been robbing-Peter-to-pay-Paul to pay the minimum payments. The total payment on the minimums is about $850. We only have about $450 allocated for minimum payments. Regarding starting BS2, is it advisable not to make minimum...
  5. Debt Reduction & Money Management
    this month. Don't know how we had it, but we made 3 extra payments this month. We probably should have combined it to one but 3 was a compromise. It will actually get each of the cards paid off a month early and with the snowball effect...it really helps...or will in the long run. Might try...
  6. Success Stories
    I am thrilled!! Last year we tried to trade it in and downsize and the offer we got to trade it in was only 9 thousand. We've been checking around on and off and we also heard that trucks have gone up in value. (it was a 2006 Chevy 4x4 and super low millage) A car dealership gave us a trade in...
  7. Debt Reduction & Money Management
    I put my credit card debt info in one of those calculators and received the following message: By only making minimum payments it will take 51 more payments or 4.3 years to pay off the remaining balance. Interest will amount to $609. It's time to get Gazelle Intense!!
  8. Blog
    A coworker is currently getting her financial house in order for the first time. She is paying off a heap of debt, setting up insurance policies and wills, and generally doing all the things she knew that she should have been doing all along. I’m proud of her. But she came to me the other day...
  9. Debt Reduction & Money Management
    do hospitals take payments ? I am having a major surgery in May last time 100% of the hospital bill was paid. Well Ins has changed and now only 90% is covered.... but our monthly rate did not go up... Thank goodness it seems there is a 1500 limit plus a deductible so I will not owe 10%...
  10. General Chat
    I am so excited. By may 25th I will be totally and completely out of debt.:applause: I used some savings and my tax refund to pay off my engine and I worked out a settlement with the credit card company to pay my debt to them of in the next three months. I am so excited. The car was paid off in...
  11. Debt Reduction & Money Management
    First, middle or end of month?
  12. News you can use
    Foreclosures, overdue payments at records; rates rise The number of homes in foreclosure soared to a record at the start of this year and economists are predicting no letup in the ...
  13. News you can use
    Weekly payments don't affect FICO score Paying your bill weekly doesn't hurt your FICO score, says Dr. Don Taylor.
  14. Debt Reduction & Money Management
    About 2 days ago I posted that I had just paid off another credit card. Imagine my surprise this am when I realized that they took out 2 payments instead of 1, leaving no money in my checking and savings. Grrrrr. So I called them as soon as I saw and the wonderful woman(sarcasm) said they...
  15. Debt Reduction & Money Management
    We are sending every last penny to one of our CC and I had a question about it. When we send in an extra $30 or whatever..are we charged interest on that amount or does the $30 go straight to the balance?
  16. News you can use
    Tax payments by plastic can be rewarding You can collect reward points on several credit cards or debit cards by using them to pay your federal and state income taxes. But watch out for the fees.
  17. Frugal Living
    Hi, Ok I am happy with myself. I called my mortgage company and set up automatic payments. Seeing as though dh gets paid every two weeks they will take the payments bi-weekly. Woohoo!!!!!! They were very helpful. It is not costing us anything to set this up and it will knock off 7.6 years...
  18. Debates, Politics and Personal Opinions
    I may be in the minority, but I would not take SS payments if I was wealthy or well off enough so as not to need them. I am surprised that frugalers are also what I consider selfish when it comes to this subject. I worked with a senator for a year, and he taught me that SS is not a...
  19. Debt Reduction & Money Management
    :horse:Dh sent out the LAST VAN PAYMENT this morning :horse: We are now the proud *owners* of this beautiful 2002 Ford Windstar w/ 58,000 miles :cheergrl: (pic taken last year on the first day of school...it's the only picture I could find lol - but it looks exactly the same). We have NO CAR...
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