Debt Dumpers - 2013

[PrincessSuzanne]

Everyone is doing so well!!!! I'm so glad for everyone! On another note I am so frustrated I went to pay a bill online this morning and realized it was due yesterday, aughhhhhh! So I now have a $30 fee and I am so mad, I haven't had a late payment in a really long time, so frustrating!I am also submitting a resume that has some real potential but I am scared because of the amount of hours it will require!

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.

 

[Susiesark]

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.

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!

 

[gracie1]

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!

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.

 

[ajh88]

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!

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).

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

 

[mjmartin01]

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

 

[gracie1]

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

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

 

[ferrytale]

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!!!

 

[gracie1]

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!!!

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

 

[AuroraRora]

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!! 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 . 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!!

 

[gracie1]

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!! 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 . 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!!

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

 

[gracie1]

Bumping this thread back up! How is everyone doing?

 

[Karalea]

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.

 

[gracie1]

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.

Way to go 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!

 

[Sagginit]

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

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.

 

[gracie1]

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

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.

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

 

[momof2gr8kids]

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!

 

[danielle79]

Everyone 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 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

 

[gracie1]

Everyone 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 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

Definitely sending good vibes for the management position

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

 

[gracie1]

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!

Congrats on paying off one cc! That's one less that you owe

 

[StitchesGr8Fan]

Definitely sending good vibes for the management position

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

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