Debt Dumpers - 2013

Discussion in 'Budget Board' started by StitchesGr8Fan, Jan 7, 2013.

  1. PrincessSuzanne

    PrincessSuzanne <font color=red>Guess I will be eating crow tonigh

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    Email the cc company and explain that it was a accidental oversight and am them if they will forgive the late fee, I have done this twice in the last year, both times, it was refunded to me.
     
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  3. Susiesark

    Susiesark DIS Veteran

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    What kind of phrasing do you use? I did the same thing on my Disney VISA card last week. I noticed it, and paid, a few hours after the deadline. D'oh! :badpc:
     
  4. gracie1

    gracie1 DIS Veteran

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    I would just call them and talk to them. Tell them that as long as you've had the cc you have not been late and you had an oversight and paid a few hours after the deadline, can they please wave the fee this one time.
     
  5. ajh88

    ajh88 DIS Veteran

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    I've been MIA for a couple of weeks, but in that time, I've met all my goals and last night I scheduled my first "big" payment on Priority #1 line of credit. The current balance is $2650 and I scheduled a $500 payment for this week and another $800 payment from my next paycheck. So, that should cut it in half by the end of the month! :cheer2:

    I also picked up one extra shift at my second job, which should net me about $400 extra this month. I can't decide if I should just bank it or put it towards the line of credit. I may earmark it for my tax bill (about $1200 due in April). :crazy2:

    ETA: Congrats to all of those who are sticking with it and hang in there to those who have hit some rough patches! :)
     
  6. mjmartin01

    mjmartin01 Mouseketeer

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    going to pay off two credit cards this week! That will leave two and hopefully will have those paid off within 6 months!!! :cool1::cool1: It will be sooo nice not have any cc debt!!!
     
  7. gracie1

    gracie1 DIS Veteran

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    Congrats!! 6 months will go by in not time!! I can't wait to not have any cc debt either!
     
  8. ferrytale

    ferrytale Mouseketeer

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    We have been slowly chipping away at ours - 1cc down, 1 more payment on another, & 2 that will be done this year! Then we can really work on rebuilding our credit for the future!!!
     
  9. gracie1

    gracie1 DIS Veteran

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    Way to go! Sounds like your doing great getting them paid off.
     
  10. AuroraRora

    AuroraRora Princess

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    I made a small payment and got one of my cc's paid off - I'm down to 4 out of 7 carrying debt. I got to do a lot of overtime last week and so I managed to get my emergency fund up to where I'd like it to be with a little left over. And the best part was, I got a $2k unexpected bonus at work!! :cool1: I'm going to put it towards my cc's - I'm hoping to get another two of them paid of with it, and it means I can put my tax refund towards something else, as I was going to put it towards those cc's and now I won't have to.

    I had a little setback though, my cat got sick again - another $280 just for the vet to look at him and give him some eye drops and pills :scared1: . I'd be planning to get pet insurance since his $500 visit at New Years, but had I gotten around to it yet? Course not... *sigh* if I'd gotten that done in advance, this visit would have been free. As soon as he's better, that's the first thing I'm going to be doing!!
     
  11. gracie1

    gracie1 DIS Veteran

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    Way to go on getting 4 of the cc's paid off! You seem to be doing great! I wish I could get an unexpected 2k bonus at work:thumbsup2
     
  12. gracie1

    gracie1 DIS Veteran

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    Bumping this thread back up! How is everyone doing?
     
  13. Karalea

    Karalea Mouseketeer

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    Both my state and federal refunds were deposited today. I have already scheduled payments to pay off 2 small credit cards and tranferred a large chunk into my savings. :thumbsup2
     
  14. gracie1

    gracie1 DIS Veteran

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    Way to go:thumbsup2 I noticed my federal was deposited the other day... still waiting on my state. I plan on making a big payment towards debt on Saturday (after I get paid on Friday!)

    Then I will sit down to restructure my budget and see if there is any way to get it paid off earlier!
     
  15. Sagginit

    Sagginit DIS Veteran

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    looks like lots of credit cards will be lonely this month with no balances to accrue interest:cool1:

    just sent out another check to my student loans since i got my federal tax refund. was on vacation last week so i did some shopping, got a haircut, and have a dr appt tomorrow so i may not get in another extra payment this month but i have a 3rd paycheck next month to get me back in gear.:cool2:
     
  16. gracie1

    gracie1 DIS Veteran

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    Great job on paying towards your student loan! And atleast you did get to enjoy some of the refund by a little retail therapy!! I stopped by a jewelry store the other day to see a friend and found a great birthday present for myself, but forced myself out the door :rotfl2:
     
  17. momof2gr8kids

    momof2gr8kids DIS Veteran

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    I'm in!

    DH and I put our credit cards away and are going cash only next little while. Just paid off a small cc balance with some extra $.

    Cashed in some $$ that was sitting in a paypal account which will go towards debt when I get it!

    Way to go everyone on this thread for sticking with it!
     
  18. danielle79

    danielle79 Dreaming of the Castle!

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    :goodvibesEveryone is doing well, Dave Ramsey would be proud! I cut up all the plastic in my purse the other day except for one just in case of emergency, because my emergency fund is not exactly fully funded yet! I am hoping to pay off the small amazon cc by the end of this month and I paid the last monthly payment on my daughter's trip a few days ago, so that frees up $300 a month to put toward debt. I have 10 debts :scared1: in total and I am hoping to cut that in half by the end of the year. And please send me some good vibes for a new management job that I applied for :goodvibes
     
  19. gracie1

    gracie1 DIS Veteran

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    Definitely sending good vibes for the management position :goodvibes

    I have never read Dave Ramsey, but what do they suggest should be in the emergency fund? How much?
     
  20. gracie1

    gracie1 DIS Veteran

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    Congrats on paying off one cc! That's one less that you owe:thumbsup2
     
  21. StitchesGr8Fan

    StitchesGr8Fan DIS Veteran

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    He recommends $1000 to start with until you get rid of debt, them 3-6 months.
     

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