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[RoyalCanadian]

Also, someone mentioned the op is planning another trip. If this is true, I say that needs to be cancelled. I know it's hard, but it needs to be done

According to this thread it's 9 days beginning November 30, 2005. She was happy to find the $59 AP rate just 2 days ago.

 

[got2lovedisney]

Just a thought...if OP is talking about reducing/stopping 401K contributions...they need to consider the tax implications, if applicable. I don't know the correct terminology so maybe someone else can explain it?

 

[floridagirrl2]

http://www.disboards.com/showthread.php?t=786705
http://www.disboards.com/showthread.php?t=839994

 

[dvcgirl]

Just a thought...if OP is talking about reducing/stopping 401K contributions...they need to consider the tax implications, if applicable. I don't know the correct terminology so maybe someone else can explain it?

Well, I think it's safe to say...the OP isn't taking this thread to heart. Or maybe she is, and is just all over the place in her thinking. Either way, there's been a lot of really good advice dispensed in this thread and the other one about paying down debt. I hope it's been useful to some of those who have read it. But if all of what I've read is true, and the OP is about $1,000 in the hole each month and is simulaneously planning a trip to WDW...well, there's just nothing left to say. That's not being judgemental either...

I have a family member who is remarkably like this. She's gone through a sizeable inheritance, hasn't worked in two years because she hasn't really looked for a job (lived large off the money instead) and is about to take out her first home equity loan. Next the house will be up for sale....to get to the cash. It's been absolutely heartbreaking to watch, but many in my family predicted it would happen. There was so much advice dispensed to her, well, it was incredible. None of it taken. There have been new cars, lots of vacations, hiring of a cleaning lady, expensive hair and nail treatments, lots of new clothes. And now, nearly two years later she's becoming quite depressed and almost surprised to find herself in this situation. Her 22 and 13 year old sons have watched all of this happen....so awful lessons for them as well. It's a real shame...

 

[peacefulgirl]

please ignore

 

[peacefulgirl]

please ignore

 

[peacefulgirl]

please ignore

 

[peacefulgirl]

please ignore

 

[cruisnfamily]

Do you have equity in your house?

 

[Nik's Mom]

I feel for the op because it is way too easy to get in over your head these days. But, I think if the outlook is as bad as explained in the beginning of the thread, WDW should be out of the question right now. Peaceful girl, I know it's hard, but you need to make a total change in lifestyle here to get yourself out of the hole. Hang in there, girl! You'll get there.

 

[MELSMICE]

You've gotten some great advice here. Now you need to apply some of it.

It seems as though the first thing to cut is the WDW vacation you would like to take at the end of this year - at least that's the way it sounds from some other threads.

You will really, really, really need to put your mind to doing this or you will most likely end up filing bankruptcy.

Good luck.

 

[tlbwriter]

YES we have been here before and because of all the WONDERFUL people on this board. I learned new ideas and I saved a lot of $$ making changes from that post!

Am I suppose to have this all taken care of by now ???? Am I suppose to be all out of debt?

Well, no, but if you've taken two trips to WDW *since* that thread, and you're still planning another for this year, then you can't blame people for scratching their heads!

 

[crisi]

No I'm not judging you. But you could have opened this thread honestly with "I got great advice last year and here is where I am." From what I understand, you are deeper in this year than last year - no you shouldn't be out of debt, but you shouldn't have run out of credit if you had managed to pay down that debt.

 

[robinb]

Well, no, but if you've taken two trips to WDW *since* that thread, and you're still planning another for this year, then you can't blame people for scratching their heads!

ITA with Tracy!

Between your Disney trips and DD's private school you could not spend thousands a month. I can understand the desire for both, but I would choose groceries and a roof over my head over another trip (or two!) to WDW and a private education for my DD. At least for the next year. Your DD will catch up and your family will be less stressed.

FWIW, I also get caught up in the whole trip planning feeding frenzy. Whenever a good deal comes up (like great AP rates in May, or the free dining in August) I jumped on it and made reservations. However, I end up canceling those reservations more often than not. It's fun to dream, but you eventually have to come back to reality.

 

[dvcgirl]

YES we have been here before and because of all the WONDERFUL people on this board. I learned new ideas and I saved a lot of $$ making changes from that post!

Am I suppose to have this all taken care of by now ???? Am I suppose to be all out of debt ?

Gosh, you are judging me are you ????

PG, no...this isn't judging you at all. It's constructive criticism, which is what you appear to really need right now, but don't want to hear. It's actually refreshing to me to see people think enough of a person's troubles to give them sound advice. Even if it's not the advice you'd like to hear.

If you wait around long enough, I'm sure someone will jump in and tell you that "life is too short" and you should take that WDW trip. Or that "the Lord will provide"....no offense to those who are faithful. I only mean that the Lord helps people to help themselves. You are clearly not doing that. It appears that you're worse off now than you were last September. You've taken two trips to WDW in that time frame, and have another one in the works.

It will take a lot of effort, huge changes on your behalf and a whole lot of time before you should even be contemplating a trip to WDW...let alone planning one. A trip to WDW is a splurge vacation. And please, don't tell me about AP rates or Disney Dining cards or any of that. It's expensive to travel to WDW and vacation there.

A trip to WDW should ideally be taken not only after all of your bills are paid, but after retirement accounts are on track, college education fund is up to date and emergency fund is in place. Sometimes you can slide by without having all of these things in place, but you have none of those things in place. That's a very serious situation and the reason that you need professional credit counseling. I know that it just plain sucks to hear this, but if your finances are in the situation that you say they are...there isn't a financial planner on this planet who would not deliver the same news to you. It's up to you whether or not you do anything about it. I wish you luck.

 

[robinb]

If you wait around long enough, I'm sure someone will jump in and tell you that "life is too short" and you should take that WDW trip.

Oh, that's for darn sure. See this thread as an example: http://www.disboards.com/showthread.php?t=843257

That's a very serious situation and the reason that you need professional credit counseling. I know that it just plain sucks to hear this, but if your finances are in the situation that you say they are...there isn't a financial planner on this planet who would not deliver the same news to you. It's up to you whether or not you do anything about it. I wish you luck.

 

[Lisa loves Pooh]

According to this thread it's 9 days beginning November 30, 2005. She was happy to find the $59 AP rate just 2 days ago.

I distinctly remember the infamous 10 day trip in 2004.

It couldn't be refused.

If she's taking another one--I don't care if it is for the $1.19 Holiday Inn Rate..it needs to be cancelled.

 

[dvcgirl]

Oh, that's for darn sure. See this thread as an example: http://www.disboards.com/showthread.php?t=843257

Wow...hadn't even seen that thread. This mentality is so frightening to me. Things are awful anyway....so let's throw out the baby with the bathwater...what the heck right? The kids are only young once. A trip to WDW will make everything all better. Financial responsibility is at an all-time low when it needs to be at an all-time high. By the time many on this board are ready to retire, pensions will be few and far between and social security should be at about 70% of what we thought we were going to get. What do people expect is going to happen? It's up to us as individuals to fund our retirements. And even when you think things are going to be rosy, they can fall apart. Just ask the pilots over at United about that. They were promised pensions of 110K a year only to see it fall to 30K a year....and they lost hundreds of thousands in stock options.

Yeah sure, life is short for some of us...but not for most of us. Most of us will live well into our 70s at a minimum. In the short term, we're about to see a big mess with this housing bubble. So much equity is being pulled out of homes...so much speculation going on in real estate...feels a whole lot like March of 2000 to me. Banks will loan money to anyone, and like another poster said, banks are offering her 125% of the value of her home...I get those offers all the time too. Foreclosure city....here we come.

 

[peacefulgirl]

please ignore

 

[peacefulgirl]

please ignore