Debt Dumpers - 2016

[Jen and Ashwin]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

Sending healing thoughts his way.

 

[Dentam]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

I'm so sorry to hear this - thoughts and prayers being sent your way!

 

[dayvewc]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

thoughts and prayers. and hugs and good vibes

 

[ruadisneyfan2]

Definitely worth it. We saw fireworks from our room.

Yes! We stayed at the Embassy Suites and had a great view of them too.

 

[Dentam]

The dates for my trip to Shanghai are set! I'll be staying an extra six days once the conference is over and traveling to Beijing and then back to Shanghai to visit SDL before departing for home. A friend is also going to the conference and is tagging along for the sightseeing afterwards and also wants to visit SDL with me! Score! Just need to book our hotel room at SDL Hotel now!

 

[ruadisneyfan2]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

I'm so sorry to hear this. I wish him a speedy & complete recovery. It's amazing what can be done with stents, surgery, etc.
Hugs to you, your dh & his family.

 

[Ngwira]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

I'm so sorry. Prayers going up.

 

[PrincessKymm]

Please keep my DH's family in your thoughts and prayers. My father in law had a heart attack today. He'll be in the hospital for several days heavily sedated until they can determine if he has any brain damage. Not what we were expecting when we came down to visit this weekend, but thankful we were here.

So sorry. Prayers sent!

 

[DisneyMandC]

Thank you all. I left DH at his parents' last night and came home for work. FIL's heart and lungs sound good (he ended up getting aspiration pneumonia), but he hasn't woken up yet. He is showing more signs of being alert, but is still on a respirator and they had to resedate him this morning because he panicked and bit down and cut off his oxygen. They said it's actually a good sign because it means he's becoming aware. Just praying he is awake soon and mentally healthy!

 

[toystoryduo]

Thank you all. I left DH at his parents' last night and came home for work. FIL's heart and lungs sound good (he ended up getting aspiration pneumonia), but he hasn't woken up yet. He is showing more signs of being alert, but is still on a respirator and they had to resedate him this morning because he panicked and bit down and cut off his oxygen. They said it's actually a good sign because it means he's becoming aware. Just praying he is awake soon and mentally healthy!

Praying for your FIL, for your DH, for you, and for his family.

 

[Gr8t Fan]

Thank you all. I left DH at his parents' last night and came home for work. FIL's heart and lungs sound good (he ended up getting aspiration pneumonia), but he hasn't woken up yet. He is showing more signs of being alert, but is still on a respirator and they had to resedate him this morning because he panicked and bit down and cut off his oxygen. They said it's actually a good sign because it means he's becoming aware. Just praying he is awake soon and mentally healthy!

Praying for all of you!

 

[bcwife76]

Thank you all. I left DH at his parents' last night and came home for work. FIL's heart and lungs sound good (he ended up getting aspiration pneumonia), but he hasn't woken up yet. He is showing more signs of being alert, but is still on a respirator and they had to resedate him this morning because he panicked and bit down and cut off his oxygen. They said it's actually a good sign because it means he's becoming aware. Just praying he is awake soon and mentally healthy!

Thank you for the update. Will continue to send prayers and good thoughts your way

 

[mom2t]

I have had my nose to the grindstone. My original goal was to be debt free in July but things happen. I am proud to say I have paid off over $15,000 since last Oct. in credit card debt. Right after the fourth, I plan to add another $1000 to my debt and we are paying off my car. My financial situation is changing as I retired this month. I am hoping to have my remaining debt of $2000 gone by December. We have a big trip planned in April to Tampa area. I want to pay cash for everything on the trip.

 

[Jen and Ashwin]

I have had my nose to the grindstone. My original goal was to be debt free in July but things happen. I am proud to say I have paid off over $15,000 since last Oct. in credit card debt. Right after the fourth, I plan to add another $1000 to my debt and we are paying off my car. My financial situation is changing as I retired this month. I am hoping to have my remaining debt of &2000 gone by December. We have a big trip planned in April to Tampa area. I want to pay cash for everything on the trip.

That is so awesome. Congrats on the amazing work and if you knocked out $15k since October, it seems that another $2k by December should be very doable.

 

[Dentam]

I have had my nose to the grindstone. My original goal was to be debt free in July but things happen. I am proud to say I have paid off over $15,000 since last Oct. in credit card debt. Right after the fourth, I plan to add another $1000 to my debt and we are paying off my car. My financial situation is changing as I retired this month. I am hoping to have my remaining debt of &2000 gone by December. We have a big trip planned in April to Tampa area. I want to pay cash for everything on the trip.

Wow, that's incredible! Great job!!

 

[PrincessKymm]

So I don't have all my sisters information yet but I have some ballpark figures and some hard figures. Seeing the hole she has dug for herself makes me feel bad but I'm not helping her financially. She needs to grow up.

Good news is I can show her how she cannot afford the cruise. So hooray I can cancel or delay that.

I guess my question is, what is your favorite frugal tip?

I'm already suggesting no eating out, hand washing laundry and staying home in the dark lol. Any other tips?

 

[Jen and Ashwin]

So I don't have all my sisters information yet but I have some ballpark figures and some hard figures. Seeing the hole she has dug for herself makes me feel bad but I'm not helping her financially. She needs to grow up.

Good news is I can show her how she cannot afford the cruise. So hooray I can cancel or delay that.

I guess my question is, what is your favorite frugal tip?

I'm already suggesting no eating out, hand washing laundry and staying home in the dark lol. Any other tips?

Cut down on driving by combining shopping trips.
Sell unneeded items on eBay/Craigslist/garage sale.
When making a purchase, check for discounts or look at used items before buying new.
Use iBotta app and clip coupons, shop what is on sale.

 

[bcwife76]

So I don't have all my sisters information yet but I have some ballpark figures and some hard figures. Seeing the hole she has dug for herself makes me feel bad but I'm not helping her financially. She needs to grow up.

Good news is I can show her how she cannot afford the cruise. So hooray I can cancel or delay that.

I guess my question is, what is your favorite frugal tip?

I'm already suggesting no eating out, hand washing laundry and staying home in the dark lol. Any other tips?

Grocery shopping with flyers, to see what's on sale.
Using coupons and also using coupon apps (in Canada we have Checkout51, Zweet and Save.ca).
Shopping online I look for coupon codes and try to shop through ebates for cash back. I also try to never pay for shipping!
Selling stuff on craigslist and Facebook groups.

 

[PrincessKymm]

Thank you @Jen and Ashwin and @bcwife76!

I do know she is selling everything she can. She won a 50" smart tv at her company holiday party but she is selling it finally. It's brand new in the box so she's getting a nice chunk for it. She does have moments of clarity but they are so few. I'm glad she's finally trying. I just wish she hadn't waited so long!

 

[Jen and Ashwin]

Thank you @Jen and Ashwin and @bcwife76!

I do know she is selling everything she can. She won a 50" smart tv at her company holiday party but she is selling it finally. It's brand new in the box so she's getting a nice chunk for it. She does have moments of clarity but they are so few. I'm glad she's finally trying. I just wish she hadn't waited so long!

It just doesn't feel that great to keep putting your money towards stuff you bought or did in the past. They talk about that in many YNAB videos. Debt is just preventing us from using our money for our current priorities. YNAB is helping get us back on track, but every time I look at our debt total, I get kind of sad thinking about all the ways that I would use that money today if it wasn't getting piled on to a credit card.

Maybe something like YNAB would help give her a realistic picture of where she stands and motivate her to get out of debt?