The Official ZS DEBTSQUAD: BODY COUNT thread.

Share a survival experience with us and explain what you learned from it. You might help someone.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Black November » Thu Oct 08, 2009 6:04 pm

Great Thread. :lol:

I recently kicked the crap out of my debt like a blood lusting lunatic trying to destroy something beautiful. My lone credit card now stands in the corner shaking.....shaking because it knows the end is near. My monthly payments are attacking with the ferocity of hungry piranhas ripping away chunk by fleshy chunk. After the frenzy is over, I will stand victoriously over my conquered credit card, and stomp it's lifeless skeleton into the mud before marching on to debt-freedom.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by zombie norris » Thu Oct 08, 2009 6:49 pm

thankfully as i have not moved from my bug in location(parents house) the zombies do not know i am here yet. But i aim o keep it that way when i have established a fox hole outside the perimeter as soon as i find the right location. the closest I've had to a zombie encounter ,is an emergency overdraft zombie when my mother asked for several months forward rent because she needed a new wheel chair. thankfully this beasty was easily dispatched swiftly and silently with my paycheck machete.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Kajira » Fri Oct 09, 2009 9:43 pm

Until recently, I was pretty content to just pay barely over my minimums on my credit cards and my student loans. I live paycheck to paycheck like most people do and wanted more money now so didn't want to send it all to the credit card people. A little while ago, I was browsing various "help you get out of debt" sites, most being a waste of time or promoting bankruptcy. My debt really isn't that terrible and I know I could pay it off and get it out of my life with a little devotion, so bankruptcy and other "solutions" like that are just silly for me to do. I kept looking out of boredom and found a website that got me thinking and got my butt in gear.
It uses the "snowballing" method (there are countless dirty jokes to be made with that :lol: )
This is the website I used http://us.whatsthecost.com/snowball.aspx
You enter in various information, such as how much you are willing to put towards those bills each month, how much each of your bills are, what the interest rate is on them, etc. You get to decide if you want to pay them off first according to the interest rate or the balance. It then calculates it to show you how much you should pay towards each one and shows you how soon you could be debt free if you follow it. It laid it out so simply for me and showed me that it wouldn't take much if I just invest more money towards it now instead of wasting my money on interest and paying much longer than I really need to.
So I'm finally taking charge and paying off my debts. I will be making the last payment to one of my credit cards this month and I feel very good about that! I still have a ways to go, but paying this one off has encouraged me a lot and I am going to see that plan through and be debt free :)
I hope that others might learn something from the snowballing method and that it helps them out :)

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Abacus » Sun Oct 11, 2009 1:30 am

I'm sorry I'm getting into this thread so late, I think it is truly awesome.

I don't have much to contribute, only CC debt is the revolving stuff it takes for me to operate cashless. All cars paid for in cash, all of the houses except one are paid off. Other than that one house, debt free since 2005.

Debt tells little debt to eat its veggies, and be home on time or I'll get them. There are whole platoons of debt out there with Ace of Spades with my pic on it. I fucked bigger debt than I have now in prison.
I got chunks of bigger debt than I have now in my stool.
I've killed more debt than Socialism.

For all of you on the debt frontlines, good on you, you are fighting the good fight! And I mean that sincerely, not the smartassed way I usually interact with you lot.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by collisionsurfer » Sun Oct 11, 2009 4:46 pm

Ooh, I like this one...

My one remaining Debt Zombie came after the now ex-Mrs Surfer, but when she left, the Zombie... uh... struggling with my metaphors here... uh... split in two, in some kind of Debt-Zombie-self-replicating shiznit, in the form of a chunky overdraft on the joint account.

Luckily, Mrs Surfer and I remain on civilised terms, for the sake of Collision Jnr. Thus, we remain united against the Debt Zombie. With my machete of salary, her big stick of wages, and our sandbag embankment of monthly-reducing-overdraft limit, we've whittled the monster down to a third of its previous, not insubstantial size.

Have you ever had a fistfight when, evenly matched, you both started getting tired, and it came down to endurance, rather than size, skill or strength? Yeah, its a bit like that.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Vicarious_Lee » Tue Oct 20, 2009 12:05 am

YEEEEEE-OOOOO!!!!!

Still seeing some good debtslayin' up in here! Everyone be proud!

Readphnx: Well done! Don't forget to post pics of the shattered bodies of that pissant credit card debt laying broken at your feet!

phoenixmastm: Do what you can, with what you have, and kill those zombies to the best of your ability!

evil monkey: Good luck. In the last few years, the House Zombie horde has grown to epic, all-consuming proportions. I hope that you didn't invite a big enough one into your life like so many millions of Americans have that it eats your balls off.

Black November: I LIKE YOUR FUCKIN' STYLE! I hope you were invoking your avatar when you decided to nut-up and launch 714 grains of prudent income at their rotted skulls and turn those bitches into headless pink mist! RAAAAAUUUUUGH! Get some, fellow debtslayer!

zombie norris: Good on you! There's no shame in hiding at the parent's house for the sake of doing the responsible thing! So many Americans get all itchy to do something stupid and live beyond their means just because they think it's what other people think is the right thing to do. Secure your perimeter first, move up second. DO NOT GIVE IN!

Kajira: WOW, that's not only a good resource, but your change of heart makes you a valiant Debt Zombie warrior now! Youv'e got friends here, and we wish you all the best!

Jvandenhaus: Thanks for sounding off! As a fellow member of the Insufferable Assholes Clan of ZS, I appreciate your enthusiastic (and non-sarcastic) support of the DebtSlayers' endeavors! Everyone should take note that Jvan is being fully supportive of all of us Debtkillers out there fighting the good fight! Sometimes you have to keep up your reputation as a sarcastic miscreant, and sometimes, shit is so real, so serious, that you have to let your hardened online persona down and throw support where it matters! The accountant hath spoken, and he is on our side!

collisionsurfer: I hear ya, man. GUT IT THE FUCK OUT!! You'll win. You'll prevail. KILL THAT SHIT!


In other news, I got a letter from one of my Zombie Debt Masters this weekend. I just had to share. Our credit card company sent us a letter that was obviously written by Mary Poppins and proofed by Martha Fucking Stewart. I'll spare you the platitudes and cut to the chase:

They're raising our rates to 29.99% interest. Immediately.

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AAAAAAAAAAAAAHAHAHAHAHAHAHAHHA!!!!!!!!!!!!!!!!!

We don't owe SHIT on them now! We paid those bloodsucking fucks off MONTHS AGO!!!! Good luck you flailing corporate scum! Hey?! You know what 30% interest on zero is!? ITS STILL ZERO! MULTIPLY IT! SQUARE IT! DIVIDE BY IT! ZERO, BITCHES!

I actually, in full view of my wife and BFF that was visiting (and his dog) levied 2 middle fingers at this letter whilst giving out a vulgar pelvic thrust. Then, I proceeded to dance around the room rubbing their little "announcement" on my crotch, before hatching what I thought was a brilliant idea. Later, my dear (and far more temperate) wife informed me that I could get into real trouble if I actually wiped my ass with it and mailed it back to them. Something about infection control. Whatever.

Good luck making a profit on 30% interest of ZERO!!!! :lol: Hell, raise it to 5,000%! BEWM! HEADSHOT!!!

Keep that good shit coming! :mrgreen:
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Mr. E. Monkey » Tue Oct 20, 2009 12:20 am

Lee, that is awesome.

Carry on.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by TheCrazyAunt » Tue Oct 20, 2009 1:52 pm

edited to compensate for missing pic
Vicarious_Lee wrote: In other news, I got a letter from one of my Zombie Debt Masters this weekend.
...
They're raising our rates to 29.99% interest. Immediately.
...
I actually, in full view of my wife and BFF that was visiting (and his dog) levied 2 middle fingers at this letter whilst giving out a vulgar pelvic thrust. Then, I proceeded to dance around the room rubbing their little "announcement" on my crotch
...
(Imagine a very prim 50's housewife in pearls here)

"Well, my goodness", she says mildly, "We must have had the same evil Zombie Debt Masters, since I got that very same letter just the other day, immediately after having finally paid off the final cent of my personal debt. To those very same ZDMs."
I feel quite quietly smug. Yes, indeed I do.

Yeah, right. Was more on the order of a hip-shakin' room-quakin' fun-makin' victory dance:

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Here's to Obliterated Debt Zombies!
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Last edited by TheCrazyAunt on Wed Oct 21, 2009 12:21 pm, edited 1 time in total.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by EricinVirginia » Tue Oct 20, 2009 2:44 pm

We have several debt zombies lurking in the basement and a hoarde not much further away. Things were going great until the great DZ Swarm of 2007 when too much money I had invested in my company was notated as a stock conversion on the eve of a takeover. It's been a long and slow road to recovery with our home being so far upside down right now that it has become a zombie safe haven. But, throughout it all, I have retained my succulent juiciness to all debt zombies and somehow they find a way to come back for more and more.

- The credit card zombies know that there is a liquid asset account that can be poured onto them all at once and slay them as effectively as any head shot would. But, I am content to slowly take them out month by month for the time being.
- The car zombies know that their ride will only last another 2 years before they need to go find someone else to haunt.
- The house zombie... well, that's just going to take some time to deal with.

In the meantime, zombies keep showing up and offering me really cool firearms and survival gear to save me from the horde looming behind them. It's kind of a catch-22. Stupid zombies.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Kajira » Tue Oct 20, 2009 11:39 pm

Vicarious_Lee wrote:
Good luck making a profit on 30% interest of ZERO!!!! :lol: Hell, raise it to 5,000%! BEWM! HEADSHOT!!!

Keep that good shit coming! :mrgreen:
I loved your post! Thanks for the encouragement and laughs :)
I can't wait for the day when I'll be able to have that same reaction to the credit card companies. Must feel incredibly amazing!

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by BethDeath » Wed Oct 21, 2009 7:50 am

Well, after burning our house down in OR, we are now safetly hidden away in PA. Or so I thought. One of those debt zombies must have hitched a ride on the truck out here and has been calling us at all hours of the day moaning about loooooooooaaaaaaaaaans. We have the children in a safe house and we are locked and loaded. There will be a great battle soon...

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by EricinVirginia » Wed Oct 21, 2009 11:43 am

Of course the corrolary of this thread is how many people have incurred debt to load up on prep gear? I myself am guilty of this... a little.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Vicarious_Lee » Wed Oct 21, 2009 12:09 pm

Kajira wrote:
Vicarious_Lee wrote:
Good luck making a profit on 30% interest of ZERO!!!! :lol: Hell, raise it to 5,000%! BEWM! HEADSHOT!!!

Keep that good shit coming! :mrgreen:
I loved your post! Thanks for the encouragement and laughs :)
I can't wait for the day when I'll be able to have that same reaction to the credit card companies. Must feel incredibly amazing!
Like Tallahassee in "Zombieland", I have HATE, I mean REEALL HAAATE for this type of zombie. All my adult life I've been planning to have this career, and to do so, the Licensing and Accreditation zombies need more and more life from me, which I don't have, so I turn to the Zombie Debt Masters over and over again. At one point I think it was making me clinically depressed.

So, now it time for a no-prisoners honest-to-shit JIHAD on these bastards. It's not just a little prudence thing, or a smugness about feeling good about myself for doing the right thing. I have such pent up resentment that I'm enjoying this. I want to see the zombies suffer. I'm taking pleasure in the fact that these companies are now gasping on the vacuum in their dry mouths that used to be filled with a steady stream of my blood. Now, they're telling me that they're going to need to raise interest rates because they're not getting enough. I. am. enjoying. this.

They can fuck off and die. :twisted:

Beth: Well done. Way to secure the perimeter.

Eric: Prepping with debt doesn't work for the most part. We shouldn't ever do that. There's that whole phrase "You can't borrow your way out of debt". Well, you can't borrow your way into preparedness, either. Be careful, man.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Jeriah » Sat Nov 07, 2009 1:11 pm

Today, just now, I paid off my credit card in full. Never had THAT much debt on there to begin with; my credit limit is only $2500 at present so I can't myself into too much trouble.

Got the card back in 07, I think, avoided carrying a balance for a while, kept using it and paying it off in full, which apparently was like playing a game of chicken with the company, who kept raising my credit limit: from the initial $500, in several increments, to the $2500 it's at currently. I don't expect (or really want) any increases in this for the time being; my income wouldn't justify it, I think.

The way I paid it off is, this semester I got an extra class at the college (last two semesters I was teaching General Drawing; this semester I had that plus Oil Painting Techniques). Combined with the various art center classes I teach, I had what amounted to about $800 per month more income this semester than previously.

Now, here's where my experience might benefit others: it didn't FEEL like I had plenty of money. I wasn't like, "WOW LOOK AT ALL THIS MONEYS, WHATEVER SHOULD I DO WITH THEM!?" It still FELT like money was tight. But I KNEW, with my crazy rational mammal brain, that I was making $800 a month more than last year...so, I COULD pay $800 a month against my credit cards and still get by.

Which is pretty much what I did. Each month, I'd pull my next month's rent out of my first paycheck, and then pay off my credit card before spending anything else. I knew I had $800 a month more than previously, so I'd either make one $800 credit card payment, or two $400 ones, each month. THEN I'd figure out how to make ends meet with what was left over, which was the same as in previous months.

This is the thing: with time, as with money, invest it in your highest priority FIRST, then deal with rescindent priorities with what's left over. So, for me, paying off my credit card was Item Number One, after getting the rent paid, so that's what I did. It meant I couldn't make as many range trips or go out to sushi as I would have liked, but it got the debt paid off.

You can do this, too. What you perceive as a "need," may in fact not be one. If paying off your debt is important, then do it FIRST. Don't pay your month's bills, groceries, etc. and then see what you have left to put against the debt. Make sure your next month's rent is taken care of, and then pay against your debt RIGHT AWAY. Deal with groceries and shoes for the kids with what's left.

That is, at least, my experience and what worked for me. I don't have kids. My wife deals with her own finances and we split shared expenses, such as rent, just like roomates. Your situation may be different, but that's what worked for me.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ninja-elbow » Sat Nov 07, 2009 2:08 pm

A few months ago I realized that all my training for battle was the wrong kind. What was my true enemy? Myself and debt.

I took one class in budgeting. I got a used book for $7 on how to fix your bad credit and debt. I pulled my credit report and took note of all the battles I skipped in the past. I girded my loins with my armor, gripped my shield Isathora, strapped my greataxe Jarnsaxa to my back and loosened my sword Tooth in it's scabbard. Lowering my helm over my face, the battle begun in earnest just last week. So far, the toll:

1)VISA - paid off, contemplating closing it.
2)One creditor was told to f- off. They could not produce any documentation of my debt when asked and it also did not show up on any of my 3 reports. I am following this with a letter right now as I type this.
3) Signed up for Portland Housing Community's home buying course, the first class is "Financial Fitness" or "how to save money and not be a financial idiot"
4) Paid my friend in law school the $175 I owed her from earlier this year.
5) Paid off a growing medical bill.
6) Looking to budget in paying off my truck faster. Still got 3 years of payments to make so looking for ways to generate more cash flow to throw into that truck.

In the 2 months I have been reading and researching this type of stuff I have gotten a bit better at my spending habits. I'm slowly getting into the mind set of "How will this purchase make/save me money?" I walked away from a $460 Glock 19 and paid off my Visa instead - that's something I could've not done 6 months ago.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by foehunter » Sat Nov 07, 2009 2:17 pm

we have recently got our mutated shambler from this Image



to this Image


but as we are about to enter homeownership im sure that once more it will mutate in to something like Image

thank god we have Imageto help deal with the enroaching hordes


Foe
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ninja-elbow » Thu Nov 26, 2009 6:03 pm

Two more little zombies head-shotted. One was an old Qwest bill from 6 years ago that was $110, settled for $35. Another was a collection from an old apartment management company that all 3 reports did not know who the actual collection zombie was so I sent out a letter to the big three agencies saying "take that un-named sucker off please" and they did. The rule to that is if there is no info to contact regarding who the agency is you need to pay - then how can you pay it? Plus, I wasn't the only guy on that lease and the other leasee owes me over $500 anyways so he can deal with that collection.

Some tips for some of you other debt-zombie slayers:
Check your state's statute of limitations. Oregon's is 6 years. Use that to help you.
Put on your grown-up britches and call the agencies you owe and negotiate. Most of your debt is probably fines, fees and interest anyways so a $200 debt can easily balloon to $1200 in a few years if un-attended to.
If you suck at this stuff, their is plenty of help out there... free or non-profit help. Go to them and they will show you how to pay back your debts and raise that FICO score and do it right the next time around.

The great thing about our system is that it allows you to fix any of your failures with some work. Thefirst step is to not create anymore failures while fixing the old ones.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by TravisM.1 » Fri Nov 27, 2009 10:47 am

As it stands, the only debt the Wife and I have is a mortgage (about $28K left), two motorcycle payments (both pay off in 12/2011), and her car payment (pays off in 12/2010). We've been capable enough (fortunate or lucky enough, maybe) over the years to earn enough to not need to run up debt on home repairs or stuff we don't need. In fact the only "recreational debt" we've got is the motorcycles, about $300 a month for both of them. We could pay both the bikes and her car off by next June, but we're paying on them for the full term of the loans to build a little more credit. We carry no credit card debt, as we only use it to purchase things mail-order, or over the internet, and if we don't have the money in hand to pay for it when the order is made, it doesn't get bought. Simple as that.

The mistake we made early on was paying off loans really early to keep from accumulating too much interest. My student loan was paid off three years after I got out of school. The loans for her LPN School was paid off early. We took out a couple small loans early in our marriage for vehicle purchases, both of which were paid off early. She's taking classes to be an RN now, and she's about halfway done. We've been paying for that as we go, so we aren't accruing any debt for that.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by brandys0524 » Sat Nov 28, 2009 3:13 am

We had been on the credit car merry go round for a few yrs now. we would run them up, then fight to pay them back down. But then one of the worst things that could have happened did.... our house burnt down. I guess something good can even come out of something so horrible. We killed all the credit card debt. The car payment is gone. Those nasty doc bills are gone. We bulked up the ER fund for 6 months worth of expenses, and we keep 2k in cash on hand ''just in case''. We bought all of our preps at one time, so know were certain of what we have, and when we need to rotate. Our house is being rebuilt better then it was before. We got rid of all that clutter, all that stuff that you don't really want, but just can't get rid of. We made lemon aid out of those lemons!

So Mr. bad guy who burned down my house.... I forgive you. There was a time i wanted to kill you, and somedays I still want to. But I learned how to be more thankful for whats really important. And were better off now then we were before. Whatever don't kill you makes you stronger, and you just made our family even closer. Of course, I still hope the DNA they pulled of those flashlights the police found helps them lock you away forever. But at least I have found peace and courage within myself I never knew I had...so Thank you. Now go rot in hell.

Next step is paying off my brand new pretty house with all the money were no longer sending to the banks. Still over 5 yrs away, but God willing, were gonna do it. I have learned to live without all the ''stuff'' that we used to think we just had to have. Now were just thankful we have each other.

So some motivation for those of you out there getting ready to use your credit card to buy some more ''stuff''....
If your house was burning down, would this be in the 3 most important items you would want to grab? If not, why are you going into debt for something that could just be gone in the blink of a eye? Bad things happen every day.

I never thought it would happen to me either.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by pyratemime » Sat Nov 28, 2009 11:50 am

My wife and I are slowly destroying the debt we have. Just today she killed one of her pre-marriage debts and mortally wounded two more with a coup de grace coming to one of those two on Monday. While she has been fighting the offensive actions on her side of things I have been holding the line with some of my pre-marriage debt but am happy to note that my truck now has less than 12 payments on it and my final school bill while still thrashing has recently been paralyzed from a shot through the pelvis and will crawl to the grave with the new year. In a conservative estimate we will be getting some heavy air support in mid-February with tax returns that will carpet bomb our final CC into oblivion and blow the arms off the truck payment leaving it all but defenseless against a renewed combined assault by the Mrs. and I when our fiscal forces finally link up in the post holiday/birthday period.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Noven » Sat Nov 28, 2009 2:35 pm

I paid off my car finally this month =)

2004 Black Mustang Convertible is mine 100% now muahahahahahah.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Emberfox » Sun Nov 29, 2009 9:44 pm

Got rid of one credit card zombie just this week and am lobbing payment grenades every paycheck at the second (and last) one. This will be the second time burying these zeds, but I vow they shall not rise again!

Still sending a shotgun shell out every now and then at the car loan zombie to weaken it, it shall be the 3rd of my zombies to fall.

Sadly, a horde of 11 art student loan zombies are just out of range and rattling the parameter defense of "still-in-school''. I'll be safe from their full attack as long as I keep the grades up and successfully learn the new career I have dived into this safety fence to study. But I plan to lob mini-moltov payments at them after the car loan zombie is buried.Those student loan zombies sound hungry too... talk about incentive to do well! :(
-Emberfox

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DannusMaximus
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by DannusMaximus » Sun Nov 29, 2009 10:55 pm

Awesome posts, folks. I'm enjoying the debt slaying!

The bride and I have been waging a war of attrition against the hordes for some time, powering through many levels of debt ass-kickery since we merged out humble lives. We're on the final level now, and staring the Mortgage Debt Boss right in it's red, slit pupiled eyes.

You know what, though? I don't play fair with these fuckers. I looked up the cheat codes to defeat this sumbitch on the internet. If you don't feed it (with home equity loans) and don't miss any shots (monthly payments) you WILL win, it's just a matter of time. We're in defilade, armed to the teeth, and dinging away with hundreds of hard earned dollars per month. It may take a while, but this battle is as good as won...
Holmes: "You have arms, I suppose?
Watson: "Yes, I thought it as well to take them."
Holmes: "Most certainly! Keep your revolver near you night and day, and never relax your precautions..."

- The Hound of the Baskervilles

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Vicarious_Lee » Mon Nov 30, 2009 1:06 am

ALLLLLLRRIIIIIIIIIGHTT!!!!! Thread reacitvated!

Jeriah: Good writeup. Very nicely done. Can you do some DEBTSLAYER art out of it? I mean, art is pretty subjective, and can be waaay out there for some people. While I don't normally consider it a high art, perhaps some of that "performance art" stuff where people rub doodoo on stuff? Like, roll your credit card statements into a toilet paper roll, or as sticks of kindling, or a toilet brush? That'd be pretty sweet.

ninja-elbow: Fucking outstanding! In both training and bodycount listing! How many people take Tactical Combat Classes, but have interest at home sucking the blood out of them? Way to realize that out-of-control debt is the SHTF! It's the zombie. Very nicely done, man. Also, thanks for the references. I'm serious, this is the horde, this is the SHTF, this is the Bad Thing that isn't remote, it's not a possibility, it's eating our asses right now. UR a GUD SOLJR!!!!!!!

foehunter: Good pictoral reference! Be sure to post up some victory screams. I know you and Heart Of The Moon are Christian folk. Know that God wants you to kick the shit out the Debt Zombies. He wants all of us to. Go forth and fight the corporate bloodsuckers, Amen!

TravisM.1: As a Member Emeritus of the ZS Insufferable Assholes Clan, I would expect nothing less. Sometimes, being responsible with your finances just because "Fuck those guys!" is more reward than the little high one gets from buying stuff as an instant gratification. Good luck to you and your wife as she invests in education that will give her more Debt Zombie bullets. Extra props for paying as you go. I wasn't able to do that, but my Student Loan Debt Zombies are chained and constrained. Good on y'all for not getting into it in the first place.

brandys0524: First of all, thank you for sharing your story of arson with us. It's horrible, but I think we all learned a lot, and you have, too. Thanks for teaching us the lessons of it. Bonus points for Positive Mental Attitude in the face of hardship. Just like ninja-elbow, it seems that you've learned that Preparedness isn't preparedness if you're letting the DebtHTF come suck out your finances. I'm really inspired by what you've done, and I hope a lot of the rest of us are, too.

pyratemime: Good to see you and the wife are still laying some sweet hate downrange at the Debt Zombies! Thanks for the update! I hope your marriage is going well, and remember: The family that slays together, stays together! :twisted:

Noven: Congratulations! Now you own her outright! The hardest part of a paid-off car is when little things start breaking. The Alternator Zombie, the Battery Zombie, the Suspension Zombie, and the Transmission Zombie is particularly hideous. Know how to fix and take care of your baby. Every month that you spend less on your car than would otherwise be a car payment is a month that the Car Debt Zombie grows weaker!

Emberfox: Good job! I hope those Student Loan Zombies are Chained and Constrained like mine. If not, kill the hungriest and most mobile ones first. Leave the Gubmnt Subsadahzed Debt Zombies chained up and feed them the minimum. They ain't going anywhere, and they are pretty inert overall. Get that gainful employment ammo soon. Good luck! :D

DannusMaximus: Sticking to The Plan is sticking to The Win, no doubt. Like foehunter, I say that gleefully and bloodthirstily killing debt is second only to regular sex (unless you're a religious sort) in keeping a marriage strong and together. Stay armed, stay strong, and terminate with extreme prejudice! :twisted:

I now have a confession: I took a hiatus from this thread, because I (we) have done something rash. I couldn't face it as a ZS DEBTSLAYER here until now. We bought a house. A big one. It was too soon. As it stands, this house (relative to our income) is about half the size of the house we're currently in in terms of how much the House Zombie can eat our paychecks. It'll be okay, we've got the ammo, and the structure that we're going to be living in is a good one. A much better one, in fact. I am still a little ashamed to make the confession among our cadre of hardened DEBTSLAYERS, though. We opened the gate and breeched the perimeter from the inside, and that does sadden me a little. Time to get hard and not let this happen again. Time to unload the House Zombie that I have come to love since I am now able to beat it down mercilessly, and we already have a plan to cut our new Mortgage Zombie down with only one extra airstrike (monthly house payment) per year.

Teh wife figured out that one extra airstrike per year cuts our mortgage down from 30 years to 19! Just one extra payment does that! She's alright, I tell you.

Until next time: KILL 'EM ALL! DON'T LET ANYMORE IN!! THIS IS THE PREPAREDNESS GAME RIGHT HERE!! THE BATTLE IS NOT WON IN AN EARTHQUAKE OR A NATURAL DISASTER! IT'S WON WITH PRUDENT DEBTSLAYING AND HARD ECONOMIC PRINCIPLES!!!!

Stay safe and shoot straight, fellow ZS DEBTSLAYERS!

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