Debt Dumpers - 2015

So I haven't been on much because my life has been a drama!!!

So November 16 was my day off from work after working the weekend, I had plans of getting stuff done around the house & going with my aunt to her follow up oncology appt. About 45mins before I had to leave, I heard this loud bubbling noise. I ran to the laundry room & there was water & soap bubbles every where, then the toilet started gurgling in the bathroom, water came in from the laundry room to the bathroom from the hallway. Of course DH is at work, I called my aunt & had to cancel. We've had something similar happen before & it was related to tree roots. So I call the plumber & they have no openings until the next day & could not recommend anyone else!!! DH came home from work & went thru the better business burea & found someone. It ended up not being any tree roots & they was some weird stuff in the lines that the plumber never said he had seen before. The only good thing is that it was $110& cheaper than what the other plumber charged in the past.

So this just kind of put me over the edge, especially after the tree falling on my house this summer. So DH & I had been looking at VGT for DCL for over a wk & talking with our friends we made last year on the cruise. So we booked it that night & they did too!!! It's been more than a year since we took a vacation & we're in dire need. This has been a tough year & im so happy we have this to look forward to. So I made myself a promise if we went, to really work on some deep cleaning projects at home like going through drawers, throwing away or donating stuff, rearranging cupboards & my laundry room-all things I was doing until......

The following Monday am, I'm getting group texts from work that someone called in sick & our new assignments for the day. So my cell keeps getting messages, so I go to walk to the phone & not really looking, I trip & fall over the ottoman!!!! Now nothing's broke but it knocked the wind out of me, I bruised my left left & right elbow pretty bad, twisted my right ankle & hurt my back as I tried to over compensate & pull myself back from falling. Well of course I can't call off, because someone just did. So I sat down for a bit, regained my composure, took ibuprofen & went to work. It was absolutely awful!!!!! I was near tears at work, my coworker thought I was going to cry at work about recent work changes & wanted to call my boss. I didn't want to tell anyone I fell because I sound like an idiot, so I had to tell why. I do a lot of walking in my job as a hospital social worker, so it was an awful day!!! So I wasn't getting any of my projects done until the weekend after thanksgiving as I was just in a lot of pain. I was so happy as that weekend I got my tree up & decorated, & all of my holiday stuff out. So I was all geared up for more of my projects until......

The following Monday...

Backstory- were still having work done at our home from the massive tree falling on our home this summer. Our area was hit very hard with bad storms, so getting a contractor to do work (after a recovery team did emergency stuff the day of, ie boarding & tarping roof, crane removing tree, boarding broken sky light, etc) was so hard as as everyone was so busy. We found a contractor we liked & work started. Then all of a sudden, we were not getting return calls, we found out he retired unexpectedly (maybe health related type emergency) so the company had to reassign all his jobs, so now we're in the back of the list for contractor 2 who was a jerk & not very flexible, then he stopped returning calls & it seems was fired. Now contractor 3 is on task & seems good. So they're finally ready to do the plaster work in our bed room & call Monday to say they'd be out Tuesday & ask us to clear out the room.

So Tuesday am, DH & I clear out room & find MOLD!!! It's behind the dressers, so we can't see it!!!!! OMG!! So the contractor looks it over & I had a bad feeling. He says he & the owner will be out Wednesday am, he took a bunch of pics. Now we have pics of what the walls originally looked like, we did not have mold, duh. So the next day the owner pretty much says, well I don't think the molds related to the tree that fell on these vary walls (you may remember the tree fell on my bedroom while I was in bed & water came in on me in bed - of course DH was at work, we also had to have bed replaced). He said that he thinks we have a separate issue & that our water table may be high & waters coming in from outside in some small crack in the mortar that we had never seen before. He basically said this won't be covered by insurance & that they'd have to dig outside of foundation & put in a retaining wall outside!!! When I asked the cost, he said a similar job was $22,000!!!!!!!! At the end of this conversation, my DH asked if this may be related to not having industrial dryers brought in (after this was suggested by a good friend), he was shocked by this & said that the recovery team (not his company, they were sent by insurance) shouldve done that. They recovery team told us to just put fans in there & we did, we had no idea there was even another option like these industrial dryers. So he said well this may changes things, call your insurance & see what they say- he was not very hopeful. He left & I lost it, I cried for 2 hours straight.

My husband called the insurance, they did research & found that the recovery team did not bill for these industrial dryers, so we have proof!! Insurance is now expanding our claim to cover the mold damage, but of course we're now aware at the ground level there's some crack we need to care for, but this retaining wall thing may not be correct as the Mold Contractor was out & said THERES NO WAY THIS MOLD CAME FROM A CRACK OUTSIDE, ITS FROM THE WATER FROM THE TREE INCIDENT. She said theres no way with the type of brick & cement wall structure that this type of mold could come from a small crack outside!!!!!

So my home is a total disaster zone, we live in a small ranch house, so everything from my bedroom is everywhere & were back to sleeping on couches!! Which is not helping my back from my fall last week..... All my little projects are now moot, my house is a giant mess, stuffs EVERYWHERE. I just want to cry & cry. I can barely see my Christmas tree & stuffs piled in front of it. I'm just so down, my only ray of sunshine is this trip next month......

Sorry to hear about your rotten luck, Angee! What a nightmare. How nice of your husband to remind you of the trip when you get down though. DH asked me the other night if I would feel better if we took a Disney trip. I told him of course, yes, but I know that's not a smart move when I'm leaving this job. Plus we still want to hold out and save up for a big family trip. Just focus on your countdown to your trip! I was lying in bed awake and stressed the other night, and every time I would start thinking about work, I'd force myself to think back to our last trip and try to remember every detail of each day and where we went and what we saw. It did help some!
 
Thank you all for your support. After much thought, then falling at a work event due to the negligence of a coworker (who is the BIGGEST prima donna I've ever met) I put my notice in. They told me I didn't need to finish my notice but they will pay me through Dec 31! The funniest part was when my boss couldn't stop doodling and her voice was shaking when she was asking questions about the incident and that she was going to miss me because of how great I am. It took everything I had to not laugh in her face.

So I'm currently unemployed and couldn't be happier. I wasn't expecting anything beyond working for two weeks so getting the extra weeks pay will help immensely. Between my savings, my pay checks, and the child support I receive we will be ok. I also get to spend time with DS during his winter break! This has never happened so I'm thrilled.

I did consider staying through January 7th so I could collect my bonus but I just couldn't anymore. I did the math and $1400 just wasn't enough, even for my Disney trip. Yes it's a lot of money but the tears and stress were killing me. Even Disney wasn't making it better. Worst case scenario is I delay this trip but I'm still going on a cruise as well next November. I let my new employer know I have both trips planned and haven't heard objectives yet so yay! Thanks again!

:dancer::dancer::dancer:

Yay! If any thread needed some good news...this one did! So glad you get to enjoy the holidays with your son!
 
Thank you all for your support. After much thought, then falling at a work event due to the negligence of a coworker (who is the BIGGEST prima donna I've ever met) I put my notice in. They told me I didn't need to finish my notice but they will pay me through Dec 31! The funniest part was when my boss couldn't stop doodling and her voice was shaking when she was asking questions about the incident and that she was going to miss me because of how great I am. It took everything I had to not laugh in her face.

So I'm currently unemployed and couldn't be happier. I wasn't expecting anything beyond working for two weeks so getting the extra weeks pay will help immensely. Between my savings, my pay checks, and the child support I receive we will be ok. I also get to spend time with DS during his winter break! This has never happened so I'm thrilled.

I did consider staying through January 7th so I could collect my bonus but I just couldn't anymore. I did the math and $1400 just wasn't enough, even for my Disney trip. Yes it's a lot of money but the tears and stress were killing me. Even Disney wasn't making it better. Worst case scenario is I delay this trip but I'm still going on a cruise as well next November. I let my new employer know I have both trips planned and haven't heard objectives yet so yay! Thanks again!


I'm so glad your enjoying your time off! I think it's good for you to destress before starting your new job!!! Isn't it a great feeling not to have that stress going in there?
 
Great news! So happy for you and that you'll get to spend time with DS. I'm so jealous of your upcoming trip! I am giving my notice on Friday, but I don't think my boss will be as nice as yours. In fact, I think it's probably going to get a little ugly. I just emailed my previous boss to talk with him today about the possibility of coming back to work for him again. The only problem is I couldn't do that until next August, but I could continue doing hourly work until then.


Once Friday is over you are going to feel so much better!! Does your previous job only come open at certain times (like August)? If it is available for you to secure for August then you would only need to find something for about 8 months! Just think positive!!! You will find something. How sweet of your dh to offer a disney trip to make you feel better. He's definitely a keeper!!
 

I love how the definition of broke has changed for me over the years. When I was a kid and teen...broke was flat broke. Not a cent to my name. I was super careless with money before I lived on my own and spent it with no idea where it went. There was a period of time when someone was actually STEALING my money and I had no idea and never missed it. That is SAD.
In my early twenties, it meant no cash on hand and less in than $20 in the bank account. Basically, if I couldn't make an ATM withdrawal, I considered myself broke. The good news is...I lived within my means. I had no savings, but I wasn't in debt.
By mid mid twenties though...I didn't EVER think I was really broke because I had a credit card. And apparently no problem carrying a balance. What a mistake!! This is even sadder. DH and I made tons of money and our expenses were low back then and I can't believe how out of control our spending got. $10,000 in credit card debt out of control. It was a shock too. It snuck up on us somehow. Looking back, we think how ridiculous we were. All that money...essentially wasted.
By the time we hit our thirties, we had finally figured out how to budget properly so we could get OUT of debt. Ironically, it took me quitting my job to be a stay home mom and living on a shoe string for two years for me to realize the evils of debt. Broke=no money in the bank is one thing, Broke=thousands in debt and no money in the bank is even worse.
It took a few years, but eventually we got debt free and even managed to start saving. I'd NEVER been a saver, so this was a new thing for me. And I LOVED it!!
So broke in the early and mid-thirties meant that we DID have money but none left (or very little left) in the spending areas of our budget. So, sort of a categorized version of the kid and teen years. Flat broke again...but only in certain spending categories, which was an improvement.
Late thirties and now (just starting the forties) is the best definition of all....broke means that while we have some money, there's none that we are prepared to spend at this time. I have a threshold that I don't like to dip below in most of our budget categories (although it IS possible to still be flat broke in the money we take out as cash) and I count the day wasted that hasn't seen me earn or save a little towards our vacation account (Sundays not included).
The amazing thing is that the kids have this mentality too! I cannot begin to count how many times they wanted something until they either found out the price (which was so high the item was no longer worth having) or that mom and dad expected them to pay for it out of their own spending money and, though they were flush with cash...they suddenly decided they were broke!
Is it wrong to hope they keep this definition of broke their entire lives??
 
Thank you all for your support. After much thought, then falling at a work event due to the negligence of a coworker (who is the BIGGEST prima donna I've ever met) I put my notice in. They told me I didn't need to finish my notice but they will pay me through Dec 31! The funniest part was when my boss couldn't stop doodling and her voice was shaking when she was asking questions about the incident and that she was going to miss me because of how great I am. It took everything I had to not laugh in her face.

So I'm currently unemployed and couldn't be happier. I wasn't expecting anything beyond working for two weeks so getting the extra weeks pay will help immensely. Between my savings, my pay checks, and the child support I receive we will be ok. I also get to spend time with DS during his winter break! This has never happened so I'm thrilled.

I did consider staying through January 7th so I could collect my bonus but I just couldn't anymore. I did the math and $1400 just wasn't enough, even for my Disney trip. Yes it's a lot of money but the tears and stress were killing me. Even Disney wasn't making it better. Worst case scenario is I delay this trip but I'm still going on a cruise as well next November. I let my new employer know I have both trips planned and haven't heard objectives yet so yay! Thanks again!

FWIW, I think you made the right decision!! Enjoy the time off with your son - you have earned it!!!
 
@PrincessKymm - so glad you are done with your job! Now you can enjoy the holiday season without all that anxiety! Same for @DisneyMandC - good luck with giving your notice on Friday! If your boss gives you grief I wouldn't hesitate to tell her how miserable she has made your life and how happy you are to leave that place!

As far as my own debt dumping goes, I will be paying off another cc when I get paid this Friday. It's a small balance (a bit over $500) and has a 0% rate that just expired. It does feel good to have one more down but I still have quite a ways to go. I figure I won't be debt free for another 2-3 years. I'm also hoping to get a new to me vehicle by March, so having a car payment will cut into what I'm able to put toward paying off my debt. I know I'll get there eventually though!
 
/
@PrincessKymm - so glad you are done with your job! Now you can enjoy the holiday season without all that anxiety! Same for @DisneyMandC - good luck with giving your notice on Friday! If your boss gives you grief I wouldn't hesitate to tell her how miserable she has made your life and how happy you are to leave that place!

As far as my own debt dumping goes, I will be paying off another cc when I get paid this Friday. It's a small balance (a bit over $500) and has a 0% rate that just expired. It does feel good to have one more down but I still have quite a ways to go. I figure I won't be debt free for another 2-3 years. I'm also hoping to get a new to me vehicle by March, so having a car payment will cut into what I'm able to put toward paying off my debt. I know I'll get there eventually though!


That is awesome that you will have another cc paid off on Friday - $500 is a huge deal!! You should be proud of yourself!!
 
Thank you all for your support. After much thought, then falling at a work event due to the negligence of a coworker (who is the BIGGEST prima donna I've ever met) I put my notice in. They told me I didn't need to finish my notice but they will pay me through Dec 31! The funniest part was when my boss couldn't stop doodling and her voice was shaking when she was asking questions about the incident and that she was going to miss me because of how great I am. It took everything I had to not laugh in her face.

So I'm currently unemployed and couldn't be happier. I wasn't expecting anything beyond working for two weeks so getting the extra weeks pay will help immensely. Between my savings, my pay checks, and the child support I receive we will be ok. I also get to spend time with DS during his winter break! This has never happened so I'm thrilled.

I did consider staying through January 7th so I could collect my bonus but I just couldn't anymore. I did the math and $1400 just wasn't enough, even for my Disney trip. Yes it's a lot of money but the tears and stress were killing me. Even Disney wasn't making it better. Worst case scenario is I delay this trip but I'm still going on a cruise as well next November. I let my new employer know I have both trips planned and haven't heard objectives yet so yay! Thanks again!

I'm sorry to hear you fell, but glad to hear you made your decision & escaping ASAP!
 
Sorry to hear about your rotten luck, Angee! What a nightmare. How nice of your husband to remind you of the trip when you get down though. DH asked me the other night if I would feel better if we took a Disney trip. I told him of course, yes, but I know that's not a smart move when I'm leaving this job. Plus we still want to hold out and save up for a big family trip. Just focus on your countdown to your trip! I was lying in bed awake and stressed the other night, and every time I would start thinking about work, I'd force myself to think back to our last trip and try to remember every detail of each day and where we went and what we saw. It did help some!

Thank you!! I've found concentrating on trips & past trips really does cheer me up. I'm thinking this time of keeping a written trip journal for myself to look back on, I've seen others say that they do.
 
I love how the definition of broke has changed for me over the years. When I was a kid and teen...broke was flat broke. Not a cent to my name. I was super careless with money before I lived on my own and spent it with no idea where it went. There was a period of time when someone was actually STEALING my money and I had no idea and never missed it. That is SAD.
In my early twenties, it meant no cash on hand and less in than $20 in the bank account. Basically, if I couldn't make an ATM withdrawal, I considered myself broke. The good news is...I lived within my means. I had no savings, but I wasn't in debt.
By mid mid twenties though...I didn't EVER think I was really broke because I had a credit card. And apparently no problem carrying a balance. What a mistake!! This is even sadder. DH and I made tons of money and our expenses were low back then and I can't believe how out of control our spending got. $10,000 in credit card debt out of control. It was a shock too. It snuck up on us somehow. Looking back, we think how ridiculous we were. All that money...essentially wasted.
By the time we hit our thirties, we had finally figured out how to budget properly so we could get OUT of debt. Ironically, it took me quitting my job to be a stay home mom and living on a shoe string for two years for me to realize the evils of debt. Broke=no money in the bank is one thing, Broke=thousands in debt and no money in the bank is even worse.
It took a few years, but eventually we got debt free and even managed to start saving. I'd NEVER been a saver, so this was a new thing for me. And I LOVED it!!
So broke in the early and mid-thirties meant that we DID have money but none left (or very little left) in the spending areas of our budget. So, sort of a categorized version of the kid and teen years. Flat broke again...but only in certain spending categories, which was an improvement.
Late thirties and now (just starting the forties) is the best definition of all....broke means that while we have some money, there's none that we are prepared to spend at this time. I have a threshold that I don't like to dip below in most of our budget categories (although it IS possible to still be flat broke in the money we take out as cash) and I count the day wasted that hasn't seen me earn or save a little towards our vacation account (Sundays not included).
The amazing thing is that the kids have this mentality too! I cannot begin to count how many times they wanted something until they either found out the price (which was so high the item was no longer worth having) or that mom and dad expected them to pay for it out of their own spending money and, though they were flush with cash...they suddenly decided they were broke!
Is it wrong to hope they keep this definition of broke their entire lives??

I really wish that every day living was at least a high school class. How to do a check book, how to save, how to budget, how to plan a career, how to pay for education, how credit cards work, how credit scores work, etc. I think some more progressive schools have classes like this, but it should be basic criteria in my opinion.
 
@PrincessKymm - so glad you are done with your job! Now you can enjoy the holiday season without all that anxiety! Same for @DisneyMandC - good luck with giving your notice on Friday! If your boss gives you grief I wouldn't hesitate to tell her how miserable she has made your life and how happy you are to leave that place!

As far as my own debt dumping goes, I will be paying off another cc when I get paid this Friday. It's a small balance (a bit over $500) and has a 0% rate that just expired. It does feel good to have one more down but I still have quite a ways to go. I figure I won't be debt free for another 2-3 years. I'm also hoping to get a new to me vehicle by March, so having a car payment will cut into what I'm able to put toward paying off my debt. I know I'll get there eventually though!

Well that's awesome news! You'll be doing a happy dance Friday!
 
Stayhomemom -

I competely get what you're saying. Our perceptions have changed too over the years. When we first moved to where we are now (close to 20 years ago now!) we were newly married and didn't have much. Now, DH is constantly reminding me that we live the way we do (with a little bit of cc debt, car loan and mortgage) on purpose because we are saving for retirement and college for the kids and putting some into a savings account off the top, and that's most important (for us, anyway). We have honest talks with the kids about how much money we have and why we choose to spend it the way we do. I think that is the best way to keep them level headed about money. We have given our boys an allowance since they were maybe in first grade (I don't really remember) and they have been expected to save up for what they want. DS12 still talks about how he saved up and bought his Nintendo DS (which he has since sold back to gamestop) when he was 7 with his own money. He is a big gamer and we just realized that he signed up (with DH's permission) for a game site and gave him $10 thinking that was it. Neither realized it's a monthly fee. So we have now talked to DS about ways he can pay for it, either giving us cash or doing some extra jobs around the house on top of what's expected of him simply bc he lives here. We will see if he follows through, lol. He didn't seem too thrilled when we pointed out he needs to do a good enough job that we won't have to redo the work!
 
I really wish that every day living was at least a high school class. How to do a check book, how to save, how to budget, how to plan a career, how to pay for education, how credit cards work, how credit scores work, etc. I think some more progressive schools have classes like this, but it should be basic criteria in my opinion.

I teach high school, and actually have been tasked with creating a (much too short in my opinion) series of lessons for our Juniors and Seniors. It will be done during our "Career Action Plan (CAP)" classes, and needs to last no more than 5 days (in the shortened class period of CAP, so about 150 minutes total).

I keep running into the problem of there is just TOO MUCH stuff to include that I think they need to know. I pretty much know that I want to include:
  • Banking accounts
    • Checking
    • Saving
    • Credit Cards
    • Retirement
      • IRA's
      • 401(k)
  • Payment accounts
    • Mortgage
    • Car payments vs. lease
    • Furniture and large appliances
  • Budgeting
  • Insurance
    • Life
    • Medical
      • Major medical vs supplementary
    • Home / renters
    • Auto
On all of these things, I think they should see and know how to fill out applications, be able to read and understand all the fine print, be able to calculate real ongoing costs, etc. Feel free to add anything else you think should be included. lol. This is what I'll spend my Christmas break doing.
 
Our county has a financial lit course you need to take to graduate. It's usually junior year, not sure. My Ds is only a freshman.
 
I really wish that every day living was at least a high school class. How to do a check book, how to save, how to budget, how to plan a career, how to pay for education, how credit cards work, how credit scores work, etc. I think some more progressive schools have classes like this, but it should be basic criteria in my opinion.
Same here! I wish someone had taught me more about money & budgeting when I was younger. My parents were/are wonderful, generous people but money was not something we talked about in my house. I plan to be different with my own children in that respect.

As far as my own debt dumping progress - we closed on the property this week! I will be picking up my check from my mom when I go down for Christmas. Merry Christmas to us! It's enough to pay off all of our CC debt and still have some left over, which is a huge relief. Now I have to decide if it's more prudent to just pay off all the debt right away, or let the money sit in savings earning interest until my 0% promotions expire in March 2016 & April 2017. My savings interest rate is only 1% (and I don't think there is really anything higher out there right now for a liquid savings account) so I'm not sure it's worth the risk that the money will get eaten up by something else, leaving me unable to pay off the CCs when the promotions expire. I also still have a small amount of student loan debt, which is at about 3% interest. My portion of the sale isn't enough to fully pay all three debts, so I may fully pay the CC that expires in March 2016 & the student loan, which would leave me with a small amount left on the 2nd CC that is at 0% until April 2017.
 
I teach high school, and actually have been tasked with creating a (much too short in my opinion) series of lessons for our Juniors and Seniors. It will be done during our "Career Action Plan (CAP)" classes, and needs to last no more than 5 days (in the shortened class period of CAP, so about 150 minutes total).

I keep running into the problem of there is just TOO MUCH stuff to include that I think they need to know. I pretty much know that I want to include:
  • Banking accounts
    • Checking
    • Saving
    • Credit Cards
    • Retirement
      • IRA's
      • 401(k)
  • Payment accounts
    • Mortgage
    • Car payments vs. lease
    • Furniture and large appliances
  • Budgeting
  • Insurance
    • Life
    • Medical
      • Major medical vs supplementary
    • Home / renters
    • Auto
On all of these things, I think they should see and know how to fill out applications, be able to read and understand all the fine print, be able to calculate real ongoing costs, etc. Feel free to add anything else you think should be included. lol. This is what I'll spend my Christmas break doing.

I think they should do research on careers, what that pays regionally, then figure out how much it will cost for the schooling depending on where they want to go. Especially in state vs out of state vs Harvard, or on campus, off campus or home with the parents. We hear too many people say they're going to be Drs or lawyers (great professions)but never realize the years & costs it takes to accomplish that goal- it good to know this up front. So many freshman premeds, not so many senior premeds. Or psych or sociology majors that dont initially realize there's not many job options at the bachelors level, so they should get a social work degree as most states require a social work degree for a license ( I have a cousin a yr younger who got her degree in sociology, I told her over & over to do the social work instead, she was adamant on sociology, once she graduated she was so mad she couldn't get a license even though I told her & mad she couldn't get a job. After various off the wall type of jobs, she's finally working in the same hospital system as me with a random job doing seat belt & car seat education with me making almost 2x as much with both of us having a bachelors degree from the same university). In that same vein the costs of student loans, grants, & work study money. It also opens up for realistic conversation with their parents if they're able/willing to help....

You need more than 150hours, at least 150 days!!!!!
 
Same here! I wish someone had taught me more about money & budgeting when I was younger. My parents were/are wonderful, generous people but money was not something we talked about in my house. I plan to be different with my own children in that respect.

As far as my own debt dumping progress - we closed on the property this week! I will be picking up my check from my mom when I go down for Christmas. Merry Christmas to us! It's enough to pay off all of our CC debt and still have some left over, which is a huge relief. Now I have to decide if it's more prudent to just pay off all the debt right away, or let the money sit in savings earning interest until my 0% promotions expire in March 2016 & April 2017. My savings interest rate is only 1% (and I don't think there is really anything higher out there right now for a liquid savings account) so I'm not sure it's worth the risk that the money will get eaten up by something else, leaving me unable to pay off the CCs when the promotions expire. I also still have a small amount of student loan debt, which is at about 3% interest. My portion of the sale isn't enough to fully pay all three debts, so I may fully pay the CC that expires in March 2016 & the student loan, which would leave me with a small amount left on the 2nd CC that is at 0% until April 2017.

My parents never talked money either.

Congrats on the sale! That's awesome news!
 

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