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  1. Debt Reduction & Money Management
    Hello everyone! I am trying to figure out which I should do. I am going back to work soon and it will be much needed money. We would like to move from this house by the time my kids are in school because we are not in a good district now. It will be 3-4 years from now when my oldest two (twins)...
  2. Dave Ramsey
    Wife has student loan at 3% (13,000 left) and we have 1 car loan at .9% (19000 left). I have $70,000 in savings, contribute max to 401K, Roth IRA, contribute to 529 plan for 2 little ones. Given this crazy economy and the way companies are laying off people I think I should continue shoving $...
  3. Debt Reduction & Money Management
    My wife and I have been investigating Dave Ramsey and we both are in agreement that we should make some changes. However, I am not so sure that Daves program is a complete fit for us. Financial Thumbnail: Family of 4. 330K First Mortgage, 130K 2nd (business pays the 2nd payment.) Small...
  4. Debt Reduction & Money Management
    Ok, so my husband has student loans...a lot of them. We consolidated them and started paying on them June of 2008. The current balance is $53,167.84. Silly Sallie Mae has our payment plan set up so that if I just make the payment they say, it will take 30 years to pay off. That is NOT...
  5. Debt Reduction & Money Management
    I want to pay off our van this year. That means finding more money somewhere. I m curious what other new things people are doing this year to pay down their debt.
  6. Debt Reduction & Money Management
    Okay, my in-laws, who are retired and on a fixed income have a ton of debt and they are unable to pay all their bills and eat. Here is my question: If they only send, say $10 to each creditor and a letter stating that this is all they can afford and here is our plan to pay our debt, etc, so...
  7. Debt Reduction & Money Management
    Hi Has anyone every used any of the credit card debt payoff companies & had good results. Liz
  8. Question and Answer
    Ok calling all you financial budget wizard types I need some opinions on the order I have put my debts to pay off. This is what my plans are: and I am aware some of these are stupid debts this was before we were reformed spendthrifts! OK *big swallow* here I go. 1. DVD movie subscription...
  9. Debt Reduction & Money Management
    I've heard them all, I think - reasons to use Credit Cards and then pay them off in full each month. Never mind that statistically, 57% of card holders carry a balance from month to month, that means 4 out of 10 ppl actually DO pay them off. Never mind that more than half of bonus miles and...
  10. Financial hardship
    I have $600.00 in my emergency fund. I have 3 credit cards. 2 for a small amount and 1 large. I can payoff the 2 small cards with the money in the emergency fund. Interest on all 3 is pretty high. I have been paying more than the min payment required. If I don't pay them off now I can in a few...
  11. Debt Reduction & Money Management
    Well, my Dh and I sat down and went over all our CC debt...plus $1000 in car repairs we'll owe on Tuesday when we pick up our car that is in the shop. Our goal is to have ALL debt that is not student loans paid off by the end of April 2008 (so, one full year). The "trick" of it all is...
  12. Success Stories
    Well, ladies, I did it. I sent my check in to the hospital today and now the account is paid in full!!! I can't believe I actually did it!! I have an emergency fund in place and now have paid off my first bill. I am so happy!! :fdance: :yippee: :cheer4: Watch out CCs, I'm coming for...
  13. Debt Reduction & Money Management
    Wow, I just calculated my payoff schedule using the snowball method and I can bo out of debt completely in February 2007, sooner if I continue to add in extra payments as I can. I'm so excited, it actually feels within reach now!
  14. Frugal Living
    Does anyone else do this? My credit union with our car loan is just down the hall and several times a month I'll take in small rebate checks or rolled coins to apply to the principal of the loan. They may roll their eyes behind my back but it's my way of making sure that the money I save goes...
  15. Debt Reduction & Money Management
    I noticed many of you have paid off your mortgages early. Do you have any tips to offer. Also how many years did you take off your mortgage loan? Thanks, you have inspired me to get going on this debt. Jan
  16. Debt Reduction & Money Management
    Hi, How is everyone doing on their debt reduction? I am ecstatic to say that on January 1, 2003 I will debt free (except for student loan) I will have succeeded in paying off over $10 000 in debt in 4 years. In January I will be paying off my credit line (which was used to pay off my car) to...
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