Debt Dumpers 2021

[DisneyMandC]

I've decided what I'm spending part of my stimulus money on- a new vacuum. We bought a Dyson cordless stick vacuum about a year ago and honestly I don't like it. I'm going to get myself one of the Shark Vertex cordless vacuums instead. They run $349 on Shark's website, but it looks like there's maybe just a slightly older model for $249 with 10 minutes less of run time on Wal-mart's website (still more than adequate time for my tiny house). I'll set aside the rest of my money for savings.

 

[Tygerlilly]

If you haven't already, you can check your stimulus status here: https://www.irs.gov/coronavirus/get-my-payment

It comes up "not enough information". Apparently it's glitching for half the people who are checking. Super annoying.

 

[M:SpilotISTC12]

It comes up "not enough information". Apparently it's glitching for half the people who are checking. Super annoying.

Same here but at least they got my account number right from the first check. So hopefully no funny business when depositing the second one.

 

[PhoenixStrength]

It comes up "not enough information". Apparently it's glitching for half the people who are checking. Super annoying.

Same here but at least they got my account number right from the first check. So hopefully no funny business when depositing the second one.

FYI: Its coming up that way for my DH and I as well, and I just read that an IRS representative stated on CNBC that if you get "Not Available" as your status then you won't be getting a 2nd stimulus and will have to just get it credited to you via an option when you file your 2020 taxes. No reason why was given for why people who qualify aren't getting it. Supposedly everyone who is getting it via direct deposit should have had it by yesterday, today at the latest. Hoping it is just a glitch and we do still get it, but I have zero faith in the government to do this right.

 

[ruadisneyfan2]

Still just over here waiting to be stimulated.

We got ours yesterday. We didn't qualify for the full amount but still better than nothing. I put it toward our son's welding school tab on my Discover card. That should be gone by the end of March.

 

[ruadisneyfan2]

I got my vaccine today.
Not painful at all going in. My arm is achy and I had a bad headache by dinner time. I'll trade this vs. the real disease any day. I took an 800 mg ibuprofen and feel good now. Tomorrow is one of my odd days where we start later and finish later so patients can come in after work. We all take turns doing it and I usually don't like it but right now I'm glad I can sleep in until 7 am.

 

[Eureka]

I got my vaccine today.
Not painful at all going in. My arm is achy and I had a bad headache by dinner time. I'll trade this vs. the real disease any day. I took an 800 mg ibuprofen and feel good now. Tomorrow is one of my odd days where we start later and finish later so patients can come in after work. We all take turns doing it and I usually don't like it but right now I'm glad I can sleep in until 7 am.

I hope that’s as bad as it gets for you. One of my high school classmates who’s a nurse got her second dose this week and 24 hrs later had a mild fever, chills, headache and something else, maybe body aches. She said the same thing as you but still I’m sure it doesn’t feel good. Unless something drastically changes with my health (hope nothing does), I’ll be in the last group of people to get it, probably next summer from what I’m hearing. So I like hearing about others’ experiences to know what to expect.

 

[ruadisneyfan2]

I hope that’s as bad as it gets for you. One of my high school classmates who’s a nurse got her second dose this week and 24 hrs later had a mild fever, chills, headache and something else, maybe body aches. She said the same thing as you but still I’m sure it doesn’t feel good. Unless something drastically changes with my health (hope nothing does), I’ll be in the last group of people to get it, probably next summer from what I’m hearing. So I like hearing about others’ experiences to know what to expect.

Hopefully it’s sooner than that for you. I’ll update after dose #2

 

[Tygerlilly]

FYI: Its coming up that way for my DH and I as well, and I just read that an IRS representative stated on CNBC that if you get "Not Available" as your status then you won't be getting a 2nd stimulus and will have to just get it credited to you via an option when you file your 2020 taxes. No reason why was given for why people who qualify aren't getting it. Supposedly everyone who is getting it via direct deposit should have had it by yesterday, today at the latest. Hoping it is just a glitch and we do still get it, but I have zero faith in the government to do this right.

Interesting. I've read multiple reports from the IRS that said it was a glitch and the deposits could take up til the 11th to go through. Guess we will have to wait and see.

 

[PhoenixStrength]

Interesting. I've read multiple reports from the IRS that said it was a glitch and the deposits could take up til the 11th to go through. Guess we will have to wait and see.

I hope that is the case, but I've seen multiple other articles about it this morning saying it will be a credit on your taxes instead.

https://www.cnbc.com/2021/01/05/status-not-available-some-taxpayers-wont-receive-stimulus-check.html

 

[jen7233]

I really liked Gail Vaz-Oxlade when she had that show Til Debt Do Us Part and had a financial blog. I read she burned out or something and now is more (outwardly anyway) political leaning. Which is SO not me. But I do have one of her books from years ago.

I've watched some of her shows on YouTube. I liked seeing it on the Canadian perspective! Also used to like reading the CNN Money "Millionaire in the Making" articles about 20 years ago.

 

[WDW_fan_in_TX]

This is a very small step, and I'm almost embarassed about posting it. But I'm proud of it because I feel I accomplished something. So I'm sharing.

We moved into our house in Nov. 2016. In Feb. 2017, the outside AC unit went out. We had someone out, and they said they had been out in Sept. 2016 and told the then homeowner it needed to be replaced. The then homeowners said they were going to go on vacation and talk about replacing. Well, they never did replace it, and they never told us about it (we started the buying process in July, so we were into the buying process when it messed up).

We went to our small town bank and got a loan to get it fixed since we didn't have the money. Fast forward to March 2017 and the inside unit went out. So we went back to the back, they added onto our loan and we got the inside unit fixed as well.

We paid here and there on it, always staying within our time frame of needing to pay on it. I went up there on Monday and was going to make a payment. Our payments were only $102 a month (the loan was a little over $5k all together, so it was small) but I had some extra money from my second job (I cover football games for a local newspaper during the fall) and also had some Christmas money.

So I decided to pay my monthly amount of $102. I then asked what the balance was, and the lady told me $153. I was like I might as well pay it and close the loan. So I did! Again, it was only a $5k loan to start with, and I'm kind of embarrassed it took 4 years to pay off. But it's paid off! I'm so excited. I made a monthly budget (my first time ever doing a budget) the first day of January. I put $100 as my monthly payment in that budget. But I was able to take that line out on Monday. Again, I was (and am) so excited to finally pay off a loan, albeit a very small $5k loan.

 

[M:SpilotISTC12]

This is a very small step, and I'm almost embarassed about posting it. But I'm proud of it because I feel I accomplished something. So I'm sharing.

We moved into our house in Nov. 2016. In Feb. 2017, the outside AC unit went out. We had someone out, and they said they had been out in Sept. 2016 and told the then homeowner it needed to be replaced. The then homeowners said they were going to go on vacation and talk about replacing. Well, they never did replace it, and they never told us about it (we started the buying process in July, so we were into the buying process when it messed up).

We went to our small town bank and got a loan to get it fixed since we didn't have the money. Fast forward to March 2017 and the inside unit went out. So we went back to the back, they added onto our loan and we got the inside unit fixed as well.

We paid here and there on it, always staying within our time frame of needing to pay on it. I went up there on Monday and was going to make a payment. Our payments were only $102 a month (the loan was a little over $5k all together, so it was small) but I had some extra money from my second job (I cover football games for a local newspaper during the fall) and also had some Christmas money.

So I decided to pay my monthly amount of $102. I then asked what the balance was, and the lady told me $153. I was like I might as well pay it and close the loan. So I did! Again, it was only a $5k loan to start with, and I'm kind of embarrassed it took 4 years to pay off. But it's paid off! I'm so excited. I made a monthly budget (my first time ever doing a budget) the first day of January. I put $100 as my monthly payment in that budget. But I was able to take that line out on Monday. Again, I was (and am) so excited to finally pay off a loan, albeit a very small $5k loan.

This is not something to be embarrassed about. Take your victories when you can! It's the snowball effect. Now take $102 a month and apply it to another goal! It's the first step and should be celebrated! Great job!

 

[amalone1013]

This is a very small step, and I'm almost embarassed about posting it. But I'm proud of it because I feel I accomplished something. So I'm sharing.

We moved into our house in Nov. 2016. In Feb. 2017, the outside AC unit went out. We had someone out, and they said they had been out in Sept. 2016 and told the then homeowner it needed to be replaced. The then homeowners said they were going to go on vacation and talk about replacing. Well, they never did replace it, and they never told us about it (we started the buying process in July, so we were into the buying process when it messed up).

We went to our small town bank and got a loan to get it fixed since we didn't have the money. Fast forward to March 2017 and the inside unit went out. So we went back to the back, they added onto our loan and we got the inside unit fixed as well.

We paid here and there on it, always staying within our time frame of needing to pay on it. I went up there on Monday and was going to make a payment. Our payments were only $102 a month (the loan was a little over $5k all together, so it was small) but I had some extra money from my second job (I cover football games for a local newspaper during the fall) and also had some Christmas money.

So I decided to pay my monthly amount of $102. I then asked what the balance was, and the lady told me $153. I was like I might as well pay it and close the loan. So I did! Again, it was only a $5k loan to start with, and I'm kind of embarrassed it took 4 years to pay off. But it's paid off! I'm so excited. I made a monthly budget (my first time ever doing a budget) the first day of January. I put $100 as my monthly payment in that budget. But I was able to take that line out on Monday. Again, I was (and am) so excited to finally pay off a loan, albeit a very small $5k loan.

A victory is a victory!!

 

[Cambridgecat]

This is a very small step, and I'm almost embarassed about posting it. But I'm proud of it because I feel I accomplished something. So I'm sharing.

We moved into our house in Nov. 2016. In Feb. 2017, the outside AC unit went out. We had someone out, and they said they had been out in Sept. 2016 and told the then homeowner it needed to be replaced. The then homeowners said they were going to go on vacation and talk about replacing. Well, they never did replace it, and they never told us about it (we started the buying process in July, so we were into the buying process when it messed up).

We went to our small town bank and got a loan to get it fixed since we didn't have the money. Fast forward to March 2017 and the inside unit went out. So we went back to the back, they added onto our loan and we got the inside unit fixed as well.

We paid here and there on it, always staying within our time frame of needing to pay on it. I went up there on Monday and was going to make a payment. Our payments were only $102 a month (the loan was a little over $5k all together, so it was small) but I had some extra money from my second job (I cover football games for a local newspaper during the fall) and also had some Christmas money.

So I decided to pay my monthly amount of $102. I then asked what the balance was, and the lady told me $153. I was like I might as well pay it and close the loan. So I did! Again, it was only a $5k loan to start with, and I'm kind of embarrassed it took 4 years to pay off. But it's paid off! I'm so excited. I made a monthly budget (my first time ever doing a budget) the first day of January. I put $100 as my monthly payment in that budget. But I was able to take that line out on Monday. Again, I was (and am) so excited to finally pay off a loan, albeit a very small $5k loan.

That’s awesome! Sometimes it’s those small wins that can really get you motivated to stick with your goals!

 

[Cambridgecat]

Feeling good so far this year with my goals, but it is only Jan 6th

Progress so far:
Goals:

• Increase 529 contributions from $400 to $600 per month. Done!
• Switch 401K contributions from pre-tax to Roth (need to see how this will impact paychecks and adjust monthly budget accordingly). Done!
• Save for window replacement for entire house (initial quote is 50K) Not ready to think about this one too much yet.
• Plan for vacation/trips assuming we feel comfortable traveling - tentative plans to go to Universal in March 2021 and then WDW in Nov/Dec 2021 Working on some tentative plans.
• decided to increase HSA savings up to the max!

 

[Cambridgecat]

I see several posters have mentioned Dave Ramsey. We started following the program five years ago and it really worked well for us! Went from paycheck to paycheck, tons of debt to now only left with a mortgage and being able to fund retirement and college savings.

Thinking back to our time in BS2, three things stand out to me -

• Focus on one goal at a time - Before following the DR plan, I was trying to fund retirement, college savings, pay down the mtg, pay off consumer, etc....It was like playing whack-a-mole and left us frustrated that we were not making any progress.
• Checking budget regularly - Honestly, I probably went overboard here but checking my bank accounts and my budget every day allowed me to stay on top of things and easier to meet goals.
• Contentment - Yes, I did have a little bit of the “keeping up with the Jones’s” during our early years. Over time, I’ve been able to appreciate the little things and feeling comfortable with our lifestyle while still enjoying splurges (budgeted) from time to time.

It’s an intense program, but even if you only adopt a few principles, it can make a big difference.​

Best of luck to everyone in reaching their goals no matter how you get there! ​

 

[slightly_obsessed]

Congratulations!! Don’t knock your accomplishments, you never have to worry about that loan again. Nice work!!!

This is a very small step, and I'm almost embarassed about posting it. But I'm proud of it because I feel I accomplished something. So I'm sharing.

We moved into our house in Nov. 2016. In Feb. 2017, the outside AC unit went out. We had someone out, and they said they had been out in Sept. 2016 and told the then homeowner it needed to be replaced. The then homeowners said they were going to go on vacation and talk about replacing. Well, they never did replace it, and they never told us about it (we started the buying process in July, so we were into the buying process when it messed up).

We went to our small town bank and got a loan to get it fixed since we didn't have the money. Fast forward to March 2017 and the inside unit went out. So we went back to the back, they added onto our loan and we got the inside unit fixed as well.

We paid here and there on it, always staying within our time frame of needing to pay on it. I went up there on Monday and was going to make a payment. Our payments were only $102 a month (the loan was a little over $5k all together, so it was small) but I had some extra money from my second job (I cover football games for a local newspaper during the fall) and also had some Christmas money.

So I decided to pay my monthly amount of $102. I then asked what the balance was, and the lady told me $153. I was like I might as well pay it and close the loan. So I did! Again, it was only a $5k loan to start with, and I'm kind of embarrassed it took 4 years to pay off. But it's paid off! I'm so excited. I made a monthly budget (my first time ever doing a budget) the first day of January. I put $100 as my monthly payment in that budget. But I was able to take that line out on Monday. Again, I was (and am) so excited to finally pay off a loan, albeit a very small $5k loan.

 

[M:SpilotISTC12]

I recently found this board and this thread in particular. This thread has kept me motivated to stay on track of my goals. The community has been wonderful with the way we lift each other up and keep each other accountable. No real progress to report on yet but it's more of an appreciation post for this thread and everyone in same boat! Ya'll are awesome! Keep it up!

 

[Tygerlilly]

Well, I just got an email from Turbo Tax. Apparently the snaffu with some of the payments was if you had fees deducted or used a 3rd party to file. H&R Block dealt with the issue immediately. TurboTax was saying "not our problem" originally and basically we were going to need to claim on taxes. NOW, turbo tax is coming back saying they are correcting the problem and we should start seeing deposits in the next couple days.

So fingers crossed it makes an appearance in the very near future.