Debt Dumpers - 2015

[ruadisneyfan2]

Hi Hon
Mom of three grown sons here,,
My heart goes out to you and I am sending some hugs your way
~~~Hugs~~~Hugs~~~Hugs~~~
You are doing the best you can for him,just being there,listening,talking is so important. Sometimes they don't say much but believe me they know you are there and that you care. Is there someone else (close family member) aunt or uncle he is close to that would be willing to drop by and have a chat? I think seeking some professional advise is great also, sometimes it helps just being told this is normal or not helps settle your heart and mind. I know my nephew was going through something similar a few months ago--he changed his mind about College but didn't know how to tell my sister and when he did she didn't react well. College and University will always be there is what I told her,sometimes kids need a bit more time to decide what is right for them. My nephew also felt the worry of the financial obligation he was going to put their family under and was scared he might fail and they'd waste all that money. They are talking more openly about the future now and not rushing to make any decisions.
My youngest went into College and graduated with all sorts of awards , he was hired immediately in his choosen field only to realize he hated it. He took a year off and went back to school in a totally different field and now has a job he likes. It was an expensive decision but he made the choice. Reassure him you love him and you are there to help him but believe he will make the right choices. Ok enough of my motherly advise,,I do know that things will get better
HUGS to You
Mel

Thanks for the hugs Mel.
We do discuss all of this openly. From day 1 I tell them don't go to college for ME. It's not required anyway and, like quitting smoking, you have to really want it to get through it. He insists he wants to and SAYS "failure is not an option", but of course actions speak louder than words. Dh & I both come from families in various trades (carpenters, welders, painters, HVAC, etc.) but very few college grads, just me, my dad and 1 niece on each side. He wouldn't be an oddball to decide not to go. People do take a break in between but the math is much harder once you've been away for a while.
Yes, it's not the end of the world if he didn't go and no matter what, we'll get through it.

 

[ruadisneyfan2]

So very glad a have at least a small emergency fund. Ended day one of vacation with a flat tire. And no spare. I don't know what happened to my "donut", but it's gone. So, I need a tow back to the hotel, and then another tow in the morning to either get this one fixed or buy a new one.

But in the plus side, I'm doing better on the trip than I was afraid I'd do. Have pain from sitting stationary, but not as bad as I worried it would be.

This is awful. I hope your luck improves and this hassle becomes a distant memory compared to the overall fun of a trip to Orlando, even if it is The Dark Side. lol. Actually we love USO and even had APs for a few years since they are so much cheaper than Disney APs.
Have a great time and hope your back continues to improve.

 

[ruadisneyfan2]

Sorry to keep hijacking but ds18 got this last paper done, his teacher was willing to accept it this late, and he'll still graduate with his class! yay!



Good thing because I bought him this cute little Mickey way back in Dec and it's too late to return. I'm glad I bought it back then; it was only $29.
http://www.amazon.com/Enesco-403848...pebp=1433898973450&perid=1HWXXTW988N5GYG4BJWZ

You know you need mental help for a Disney addiction when your kid might not graduate and this is the dumb stuff that crosses your mind.

 

[Angeejoe]

Sorry to keep hijacking but ds18 got this last paper done, his teacher was willing to accept it this late, and he'll still graduate with his class! yay!



Good thing because I bought him this cute little Mickey way back in Dec and it's too late to return. I'm glad I bought it back then; it was only $29.
http://www.amazon.com/Enesco-403848...pebp=1433898973450&perid=1HWXXTW988N5GYG4BJWZ

You know you need mental help for a Disney addiction when your kid might not graduate and this is the dumb stuff that crosses your mind.

Patti this is happy news!!!! Congrats to you both!!!!

Now go have a

 

[gracie1]

Sorry to keep hijacking but ds18 got this last paper done, his teacher was willing to accept it this late, and he'll still graduate with his class! yay!



Good thing because I bought him this cute little Mickey way back in Dec and it's too late to return. I'm glad I bought it back then; it was only $29.
http://www.amazon.com/Enesco-403848...pebp=1433898973450&perid=1HWXXTW988N5GYG4BJWZ

You know you need mental help for a Disney addiction when your kid might not graduate and this is the dumb stuff that crosses your mind.

That is great news!!! I know you must be feeling a huge wave of relief!!

 

[ruadisneyfan2]

Patti this is happy news!!!! Congrats to you both!!!!

Now go have a

Yes! and a

That is great news!!! I know you must be feeling a huge wave of relief!!

 

[gracie1]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

 

[ruadisneyfan2]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

Oh that's awful. I hope it's not so bad.
I'd tell you what I think of Murphy but this is a family board. It wouldn't be very Disney-like.

 

[bcwife76]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

Boo!!! Dislike

 

[bababear_50]

Sorry to keep hijacking but ds18 got this last paper done, his teacher was willing to accept it this late, and he'll still graduate with his class! yay!



Good thing because I bought him this cute little Mickey way back in Dec and it's too late to return. I'm glad I bought it back then; it was only $29.
http://www.amazon.com/Enesco-403848...pebp=1433898973450&perid=1HWXXTW988N5GYG4BJWZ

You know you need mental help for a Disney addiction when your kid might not graduate and this is the dumb stuff that crosses your mind.

Yeah!

Congrats to you both
Hugs Mel

 

[ruadisneyfan2]

Thanks!

 

[Angeejoe]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

What a bummer Gracie! I hope it's something simple & CHEAP.....

 

[gracie1]

Oh that's awful. I hope it's not so bad.
I'd tell you what I think of Murphy but this is a family board. It wouldn't be very Disney-like.

Lol!! That's exactly why I don't say what I think about Murphy!!! Lol

 

[gracie1]

What a bummer Gracie! I hope it's something simple & CHEAP.....

I'm hoping cheap too! Although just the service calls are expensive anymore -

 

[Dentam]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

Boo! Sorry to hear this! It's always something, isn't it?

 

[seb65]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

I am so sorry
Murphy must have come to me after you. We JUST picked up my husband's car ($550 of repairs) when I asked him to bring mine up to check out a noise. that noise just cost us $479. So, my out of debt plan by July is out the window. I hope you get a cheap fix!!

 

[yupikgal]

Sorry to keep hijacking but ds18 got this last paper done, his teacher was willing to accept it this late, and he'll still graduate with his class! yay!


Good thing because I bought him this cute little Mickey way back in Dec and it's too late to return. I'm glad I bought it back then; it was only $29.
http://www.amazon.com/Enesco-403848...pebp=1433898973450&perid=1HWXXTW988N5GYG4BJWZ

Yay! That's great news! I'd love to get something Disney related for our daughter when she graduates from college, in Spring 2016.

 

[yupikgal]

So.... Murphy has come to visit. Seems like the drain to my washer is leaking. It would be nice if it was the connection that goes to the washer but it looks like it's the main drain that runs through the wall. So I'll be calling the plumber in the morning. One step forward , two steps back. Have I mentioned lately how much I dislike Murphy?

I'm sorry! Hoping it won't cost you too much! Murphy is not nice.

 

[Dentam]

Got my first cc statement from the high interest rate card I paid off. Turns out I overpaid by $50 so now I have a credit - woohoo! Apparently I paid before the interest was added for the month. Still waiting on my mortgage company to return my escrow funds so I've pushed back paying off a second cc until next week. I'm also going to try to pay off a third cc that has a lower balance. This will free up a lot of funds to throw at my remaining cc's. All in all, I'm hoping to be debt free by the end of 2016! Can't wait to put the extra money toward vacations and other fun stuff instead of bill paying!

 

[yupikgal]

So I have a question for everyone...have you heard of the company "Payoff"? They advertise on Facebook, and I started reading about & watching their You Tube videos and they seem like a decent company. I'm not sure exactly how it works, but I think it's a consolidation company of sorts. Just recently I finally switched $7k of our debt from one card to another, and incurred a 3% fee ($210) for doing so, but it's 0% for 15 months! I left just under $1,000 on the card that I transferred from, I'm making a $500 payment now, and the remaining $470 will be paid off next month. My question is...we will still have 2 other cards that need to be paid off, and I'm considering doing the "Payoff" thing. Can you take a look and tell me whether it sounds like a good deal or whether you have heard of them? Here's a story of one of their customer service people, I like that they seem to have been in the same boat as us and overcame!