Debt Dumpers 2021

[jen7233]

@ajanderson84 you are really tracking plans! That's great! And exciting time for your son's training coming up! We are also at WDW soon, next week

 

[jen7233]

Apple Pay questions and WDW parks, can anyone help? Bear with me if it's so simple it's silly!

Here goes:
I set up and gave my teen some money on Apple Pay. He doesn't have the MDE app. Do they accept Apple Pay at the stands in World Showcase, or snack stands around the parks (he'll be using his phone wallet)? I never even paid any attention to this last time, as it's not a primary payment method for me I used my band We did use Apple Pay when doing mobile order on the MDE app. I told you this may be silly Apple Pay rookie here!

 

[dina444444]

Apple Pay questions and WDW parks, can anyone help? Bear with me if it's so simple it's silly!

Here goes:
I set up and gave my teen some money on Apple Pay. He doesn't have the MDE app. Do they accept Apple Pay at the stands in World Showcase, or snack stands around the parks (he'll be using his phone wallet)? I never even paid any attention to this last time, as it's not a primary payment method for me I used my band We did use Apple Pay when doing mobile order on the MDE app. I told you this may be silly Apple Pay rookie here!

Yes, all locations with registers that accept magic bands are equipped to read Apple Pay. This includes the food booths around world showcase.

 

[jen7233]

Yes, all locations with registers that accept magic bands are equipped to read Apple Pay. This includes the food booths around world showcase.

that's great! I sent him Apple Cash to use with Apple Pay. For us in my Wallet, I just use mine linked to my credit cards in there. The kids use cash for everything, so this is a little bit of a new venture for my teen.

 

[piglet1979]

We have 2 loans on our house since the day we bought it. One was 80% of the house and the other was 20% to pay the down payment. Today I set up to pay more towards the 20% loan. It will be paid off in 8 months. We are l ready paying extra on the 80% loan but once the smaller one is paid off we will put more towards this one to pay it down faster. We are looking at possibly buying a new house in 3-4 years and want the loan down as much as possible by then.

 

[DLgal]

Ugh. Woke up to our refrigerator being 51 degrees inside. Have a call out to the repair man and moved all the super perishables to our tiny beer fridge outside. I did not need this today.

 

[Tygerlilly]

I miiiiight have just put the deposit down on a trip to Disney for the end of October/beginning of November. So I have a new expense to put away for.

Fall Disney package: $200/$4681
Other trip expenses: $0/$2500

We will be driving, so I'll be able to pack a box of stuff for the hotel. Thinking of bringing breakfast foods, stuff for PBJ sammiches (my girls are so picky, so I'll pack them a sammich for lunch in the park so I'm not spending $10 on an uncrustable), bottles of water and soda, water flavor squeeze things, etc. I'll grab those things over the next few months when I see them on sale.

 

[DLgal]

So, the repair guy just left. The fridge is still broken. Needs a new fan motor. Part is ordered and should be here tomorrow for a repair tomorrow afternoon or evening, or Friday morning worst case.

Total charge: $330. Not TOO bad. My refrigerator is approaching 6 years old so I have been expecting something like this to pop up soon (knock wood because my washer and dryer are the same age).

The good news is, the refrigerator is maintaining a lower temperature on the bottom shelves, so I moved most things down there (condiments and such). I did dump the 2 bottles of milk we had along with the half and half (which was starting to turn this morning), but I think the cheeses, eggs, and deli meats will be okay in the outside fridge. Just bought some new milk and put it outside as well. The freezer is unaffected so that is also good news, because that thing is CHOCK full.

 

[barkley]

Total charge: $330. Not TOO bad. My refrigerator is approaching 6 years old so I have been expecting something like this to pop up soon (knock wood because my washer and dryer are the same age).

is it not crazy that we are conditioned to think this is 'old' for appliances? it kills me that they last so much less time these days. i remember my parents having the same appliances for decades.

 

[DLgal]

is it not crazy that we are conditioned to think this is 'old' for appliances? it kills me that they last so much less time these days. i remember my parents having the same appliances for decades.

Not really crazy. Appliances are so high tech these days and we all know how reliable computers and circuit boards are. It's usually one of those things that fails first.

This fan is a cheap, plastic part. I'm actually surprised it lasted 6 years looking at it.

 

[CaleCakes]

So I'm curious how you all handle monthy automatic withdrawals? I feel like I have so many of them- like at least 12 that I can think of off the top of my head. Do you deduct them all at once at the beginning of the month or do you wait for the due date to deduct it in your register?

 

[barkley]

So I'm curious how you all handle monthy automatic withdrawals? I feel like I have so many of them- like at least 12 that I can think of off the top of my head. Do you deduct them all at once at the beginning of the month or do you wait for the due date to deduct it in your register?

not sure what you mean by this term.

 

[CaleCakes]

not sure what you mean by this term.

Sorry, maybe I should have been more clear. I mean things like cell phone bill, car payments, auto insurance, streaming subscriptions things like that. I have several set up to be automatic withdrawals from my checking account each month (some things like the cell phone bill there is a 20% savings by doing it that way) and I was just curious how other people handle theirs. Do they deduct all the amounts at the beginning of the month or each time a bill is automatically paid do they deduct that amount on the check register. I have been doing them once a month at the beginning as to not spend money already marked for something else.

 

[cookiecar]

Sorry, maybe I should have been more clear. I mean things like cell phone bill, car payments, auto insurance, streaming subscriptions things like that. I have several set up to be automatic withdrawals from my checking account each month (some things like the cell phone bill there is a 20% savings by doing it that way) and I was just curious how other people handle theirs. Do they deduct all the amounts at the beginning of the month or each time a bill is automatically paid do they deduct that amount on the check register. I have been doing them once a month at the beginning as to not spend money already marked for something else.

I get paid every 2 weeks, so I typically write them in about 2 weeks early for things coming from the checking account. I try to use a credit card to pay as many of the subscription/auto-pay things as possible in case I forget about them. Plus I like getting the cash back rewards.

 

[FQLover]

Yes, I deduct everything on the first of the month, both bills that will be paid that month and savings going into various accounts that month. What I have left I divide into my assorted budget categories to be spent that month like groceries, household products, gas, medicine, pet expenses, etc. It is easy for me to do since I am paid once a month.

 

[ciaoaloha31]

I keep an excel file for my budget and main checking account. I pre-populate the checking sheet with my paychecks (weekly) and auto-withdrawals. On the second sheet that has my budget, I organize my spending by credit card and checking/cash. I pre-populate the end of month credit card payment in the checking spreadsheet by linking the total for each card from the budget sheet. Hopefully that makes sense without posting a couple screenshots.

 

[RamblingMad]

So I'm curious how you all handle monthy automatic withdrawals? I feel like I have so many of them- like at least 12 that I can think of off the top of my head. Do you deduct them all at once at the beginning of the month or do you wait for the due date to deduct it in your register?

I keep about a year of expenses in my checking account. I keep track of all of my big out going payments. I don’t have my mortgage on auto payment, nor do I have my main credit card on it either.

What are you trying to do?

 

[DLgal]

I keep about a year of expenses in my checking account. I keep track of all of my big out going payments. I don’t have my mortgage on auto payment, nor do I have my main credit card on it either.

What are you trying to do?

How do you know that your daily balance is correct if you only account for "big outgoing payments?" Don't you have to account for ALL of them?

This poster is trying to do what we all do..."balance the checkbook" every month. This is what I assume, anyway. Most people don't keep a year's worth of expenses in a checking account, and you really might want to rethink that. It leaves you really vulnerable to theft that could leave you in a bad position while your bank works to address it. If someone wiped your checking account clean one day, you'd be up a creek. I keep no more than the amount I need for the bills that get paid every 2 weeks plus an extra $100 or so for cash needs. The rest gets funneled to my savings account. So, I have to "balance my checkbook" every 2 weeks because that is how often we get paid.

 

[DLgal]

So I'm curious how you all handle monthy automatic withdrawals? I feel like I have so many of them- like at least 12 that I can think of off the top of my head. Do you deduct them all at once at the beginning of the month or do you wait for the due date to deduct it in your register?

I keep a spreadsheet using dates. I have all my auto debit charges listed by the date they come out. We get paid the 1st and 15th. So, on the 1st, I list the paycheck followed by all the debits that occur from the 1st to the 14th. I pay the credit cards that are due in that window. The remainder sits there. When the 15th check comes, I list the debits for the second half of the month. I pay the credit cards due in that half. I hold back $100 and put the rest into the savings account. I repeat this every month, twice a month.

 

[RamblingMad]

How do you know that your daily balance is correct if you only account for "big outgoing payments?" Don't you have to account for ALL of them?

This poster is trying to do what we all do..."balance the checkbook" every month. This is what I assume, anyway. Most people don't keep a year's worth of expenses in a checking account, and you really might want to rethink that. It leaves you really vulnerable to theft that could leave you in a bad position while your bank works to address it. If someone wiped your checking account clean one day, you'd be up a creek. I keep no more than the amount I need for the bills that get paid every 2 weeks plus an extra $100 or so for cash needs. The rest gets funneled to my savings account. So, I have to "balance my checkbook" every 2 weeks because that is how often we get paid.

The idea of balancing a check book is dated. I can simply go to my bank app and see what I have available. I rarely write checks anymore. I don’t have money going out in flux anymore. If I want to send someone money, I use Venmo. It’s pretty immediate. And since I keep a year of expenses in my checking, I don’t worry about not having enough. It’s also keeps me from selling my equities to raise cash.